Commercial Umbrella Insurance
Extra limits, for the claim that goes past your policy.
Your liability policy has a ceiling. A commercial umbrella sits above it and keeps paying when a single serious claim would otherwise land on the business itself.
Get a QuoteThe cheapest million dollars of coverage you will buy.
An umbrella pays after your underlying general liability, commercial auto or employer’s liability limits are exhausted. Because it only responds to severe claims, it prices far below the first million of coverage, which surprises most owners.
The businesses that need it most are the ones with vehicles on the road, customers on the premises, or contracts that require higher limits than a standard policy provides.
- Sits above general liability, auto and employer’s liability
- Often required by larger contracts and leases
- Priced low relative to the limit it adds
- Usually sold in one-million increments
Who Should Carry One
- • Anyone with vehicles on the road daily
- • Contractors working on larger projects
- • Businesses with public foot traffic
- • Employers with a substantial payroll
What a commercial umbrella sits above
General Liability
Extends your limits for third-party injury and property damage claims.
Commercial Auto
The most common place an umbrella gets used, because auto claims run large.
Employer’s Liability
Extends the liability portion that sits alongside workers’ compensation.
Contract Compliance
Satisfies leases and contracts that require limits above a standard policy.
Defense Beyond Limits
Continues covering defense costs after the underlying policy is exhausted.
Layered Limits
Stack multiple millions where the exposure or contract calls for it.
Commercial Umbrella FAQs
How much does an umbrella cost?
Do I need one if I already have a million in liability?
Does it cover things my other policies exclude?
What underlying limits do I need first?
Let’s price an umbrella and see.
Most owners are surprised how little the extra limit costs.
Get a Quote