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Commercial Umbrella Insurance
One serious claim can go past your liability, auto or employers liability limits, and many contracts now ask for more than a base policy carries. A commercial umbrella adds a layer above them, often for less than raising each limit on its own. We check that your other policies line up with it and match the limit to what your contracts and lenders ask for. Call or text and we'll go over your contracts with you.
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What It Covers
What Commercial Umbrella Includes
Exact coverage depends on the policy and the insurance company. We walk you through yours before you buy.
- Extra limits over general liability
- Extra limits over commercial auto
- Extra limits over employers liability
- Some claims your other policies don't cover, depending on the policy
Good to Know
Before You Buy
An umbrella only works if the policies under it are set up to match. We check each layer with you before you buy.
- Limits. Umbrellas are commonly sold in $1 million amounts.
- Underlying limits. The umbrella company usually requires set limits on the policies underneath.
- Contract requirements. Larger clients, landlords and general contractors often require $2 million or more in total liability.
- Follow form. Some umbrellas only follow the terms of the policies underneath, so gaps there carry up.
- Policies included. Most commercial umbrellas sit above general liability, auto and employers liability. Confirm each one is listed.
- Certificates. Clients often want the umbrella shown on your certificate. Some also require it to extend to additional insureds.
Pair It With
Gaps to Check Before Your Umbrella
An umbrella only works when your other policies line up under it. We check all of these when we quote.
Your Liability Limits Have to Meet the Umbrella's
Most umbrellas require set general liability limits underneath. We check them first.
Your Auto Limits Do Too
Commercial auto limits usually need to meet the umbrella's requirements.
Employers Liability Counts Too
The employers liability part of your comp policy usually has to meet set limits as well.
Professional Claims Are Usually Excluded
Most commercial umbrellas don't sit over professional liability, so that limit needs to stand on its own.
Cyber Is Usually Excluded
Most commercial umbrellas exclude cyber events. A cyber policy covers those.
Your Family Needs Its Own Umbrella
A commercial umbrella covers the business. Your home and cars need a personal umbrella.
More Business Insurance
Other Business Options
Let's Look at Your Business.
Final approval and pricing are set by the insurance company.