Commercial Umbrella Insurance
Extra liability protection beyond your primary policies' limits. Affordable coverage for catastrophic claims that could threaten your business.
What is Commercial Umbrella Insurance?
Commercial Umbrella Insurance provides additional liability coverage that kicks in when your primary policies (general liability, auto, employer's liability) reach their limits. It's designed to protect your business from catastrophic claims.
Extra Protection
Covers excess liability above primary limits
Affordable Coverage
Inexpensive way to get millions more in protection
Broader Coverage
May cover claims excluded by primary policies
How Does Umbrella Insurance Work?
What's Covered
Excess Liability
Additional coverage above limits of general liability, auto liability, and employer's liability policies.
Catastrophic Claims
Protection against major lawsuits, serious injuries, or multi-party accidents that exceed primary coverage.
Broader Protection
May cover some claims not covered by underlying policies, subject to policy terms.
Legal Defense
Additional legal defense costs above underlying policy limits.
Worldwide Coverage
Many umbrella policies provide worldwide liability protection for your business operations.
Personal Injury
Extended coverage for libel, slander, and other personal injury claims.
Who Needs Commercial Umbrella Insurance?
Consider umbrella coverage if your business has:
💼Significant Assets to Protect
The more assets your business has, the more you have to lose in a lawsuit. Umbrella insurance shields your assets from judgments that exceed primary coverage.
👥High Public Exposure
Businesses with lots of customer interaction, foot traffic, or public-facing operations have higher liability risks.
📜Contract Requirements
Many large contracts, leases, or clients require umbrella coverage with limits of $2M-$10M.
🚗Commercial Vehicles
Businesses with company vehicles face higher risk of catastrophic auto accidents that exceed standard limits.
⚠️High-Risk Operations
Construction, manufacturing, or any operations with elevated injury/damage risks should carry umbrella coverage.
🌍International Operations
Businesses operating globally benefit from worldwide liability protection that umbrella policies provide.
When Umbrella Insurance Saves Your Business:
- •A catastrophic vehicle accident results in $3M in damages (your auto policy only covers $1M)
- •Multiple people are seriously injured at your business location
- •A product defect leads to widespread injuries and a class-action lawsuit
- •Your employee causes a major accident while driving a company vehicle
How Much Does Umbrella Insurance Cost?
Typical Annual Premiums
*Actual cost depends on industry, revenue, claims history, and underlying coverage limits
Get Your Commercial Umbrella Quote
Fill out the form below to receive a customized umbrella insurance quote.
Frequently Asked Questions
Do I need underlying coverage to get an umbrella policy?
Yes. Umbrella insurance requires minimum limits on your underlying policies (typically $1M for general liability and $500K-$1M for commercial auto).
What's the difference between umbrella and excess liability?
Umbrella policies provide broader coverage and may cover some gaps in underlying policies. Excess liability simply adds more limits to existing policies without broadening coverage.
Can I get umbrella insurance for my personal assets too?
Yes, but you'll need a separate personal umbrella policy. Commercial umbrella protects your business; personal umbrella protects personal assets like your home.
How much umbrella coverage should I carry?
A good rule of thumb is to carry umbrella limits equal to or greater than your business's total net worth. Many businesses start with $2M-$5M in coverage.