Protection When Limits Are Reached.

Commercial Umbrella Insurance provides the critical safety net your business needs when a claim exceeds your standard policy limits.

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Because Million-Dollar Claims Happen

Many business owners believe their standard $1M or $2M liability policy is enough. But in today's litigious environment, that limit can be exhausted instantly.

Consider medical inflation, rising legal fees, and multi-vehicle accidents. If your delivery truck causes a pile-up or a customer suffers a severe injury on your property, the judgment could easily exceed $2 million.

Commercial Umbrella & Excess Liability sits on top of your primary policies. Once your primary limit is used up, this policy kicks in to pay the remaining costs, saving your business assets from liquidation.

Who Needs Higher Limits?

While every business benefits from extra protection, these industries carry higher risk:

Construction: Contractors facing high injury risks.
Trucking & Fleet: High exposure to severe auto accidents.
Property Owners: Apartment complexes and commercial buildings.
Manufacturing: Product liability claims can be massive.
Restaurants/Hospitality: High foot traffic increases slip-and-fall risk.

What Policies Does It Extend?

Commercial Auto

The most common cause of "excess" claims. If your company vehicle causes a severe accident with multiple injuries, a $1M auto limit disappears quickly. Umbrella covers the overage.

Multi-Vehicle Pileups
Severe Bodily Injury
Vehicle Property Damage

General Liability

Extends coverage for accidents occurring on your premises or due to your operations. Vital for contractors working on expensive job sites or businesses with high foot traffic.

Customer Injuries
Third-Party Property Damage
Product Liability Suits

Employer's Liability

Part of your Workers' Compensation policy. If an employee sues you claiming negligence contributed to their injury (outside standard workers' comp statutes), this extends that defense limit.

Employee Lawsuits
Gross Negligence Claims
Third-Party Over Action

The Scenario: Excess vs. Bankruptcy

Imagine your company truck is involved in a severe accident. The court awards the victims $2.5 million.

Your Commercial Auto policy has a standard limit of $1 million.

Without Umbrella: Your insurance pays the first $1M. Your business is responsible for the remaining $1.5M out of pocket.

With Umbrella: Your primary policy pays the first $1M. Your Umbrella policy steps in to pay the remaining $1.5M. Your assets are safe.

✔ Cost-Effective: High limits for a relatively low premium compared to primary policies.
✔ Contract Compliant: Meet requirements for municipal bids or large client contracts.
✔ Asset Protection: Stops a lawsuit from seizing your equipment, cash reserves, or property.

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Common Umbrella Questions

Excess Liability vs. Umbrella?

Often used interchangeably, but different. Excess Liability strictly follows the primary policy's terms. Umbrella can sometimes offer broader coverage (dropping down to cover gaps) in addition to higher limits.

How much coverage do I need?

Limits start at $1 million and go up to $50 million+. The right amount depends on your asset value and risk profile. We often recommend limits equal to your business's total value.

Is it expensive?

Generally, no. Because the policy only pays out after the primary limits are exhausted, the premiums are very affordable relative to the amount of coverage (e.g., millions in protection).

Does it cover Professional Liability?

Not automatically. Standard Umbrellas sit over Auto, General Liability, and Workers' Comp. Extending limits for E&O or Cyber usually requires a specific specialty excess policy.