Commercial Umbrella Insurance
Commercial umbrella insurance provides an extra layer of liability protection above your primary general liability, commercial auto, and employers' liability policies. When a claim exceeds your underlying policy limits, your umbrella kicks in — potentially saving your business from catastrophic financial loss.
Coverages we place
- Excess liability above general liability limits
- Excess liability above commercial auto limits
- Excess liability above employers' liability (workers' comp Part B)
- Broader coverage than underlying policies in some cases
- Defense costs above underlying policy limits
- Available in $1M–$10M+ increments
Who needs this coverage
Businesses with significant liability exposure need umbrella coverage: contractors, trucking companies, property managers, manufacturers, businesses with large fleets, companies working on large contracts, and any business where a single lawsuit could exceed primary policy limits.
What drives your premium
- Underlying policy limits (higher base = lower umbrella cost)
- Industry risk classification
- Revenue and number of employees
- Fleet size and driver records
- Claims history
Common exclusions
- Claims not covered by underlying policies (umbrella follows form)
- Employment practices liability (unless added by endorsement)
- Professional liability / E&O
- Pollution liability
- Intentional acts
Frequently asked questions
How much does commercial umbrella insurance cost?
A $1M umbrella policy typically costs $300–$1,500/year for moderate-risk businesses. Higher-risk industries like construction or trucking may pay $2,000–$5,000+ per $1M. It's one of the most cost-effective ways to add significant protection.
Do I need umbrella insurance if I already have high liability limits?
Yes. Even with $1M/$2M GL limits, a serious accident, lawsuit, or wrongful death claim can easily exceed those limits. An umbrella policy provides peace of mind for a relatively small additional cost.
Related coverage
Get a free quote or call (321) 206-8035.