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.
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.
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.
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.
Get a free quote or call (321) 206-8035.