Commercial Umbrella Insurance, explained.
Extra layer above your GL, auto, and employer’s liability — for the claim that runs big.
Commercial Umbrella Insurance
A commercial umbrella sits above your primary policies (GL, commercial auto, employer’s liability) and pays once those limits are exhausted. It is the affordable way to add $1M–$10M+ in extra liability protection.
One catastrophic claim — a serious auto accident, a major injury — can blow past primary limits and put the business at risk. Umbrella is the cheap, smart hedge.
Is this for you?
Inside a Commercial Umbrella policy.
When this coverage pays off.
Multi-vehicle accident
A work truck causes a serious multi-car accident. Primary auto exhausts at $1M — umbrella picks up the rest.
Major third-party injury
A bystander is severely injured at a job site. GL hits its limits; umbrella absorbs the excess judgment.
Required by a GC contract
A larger GC requires $5M total liability. Umbrella stacks above your $1M primary to meet the requirement.
Plain-language answers.
For most small businesses, $1M of umbrella is a few hundred to a few thousand dollars per year — exceptionally cheap protection.
No. Umbrella is excess; you must keep the underlying limits required by the umbrella carrier.
Generally no — pro liability needs its own E&O policy. Umbrella focuses on GL, auto, and employer’s liability.
Ready for a Commercial Umbrella quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.