Commercial Umbrella & Excess
Additional liability limits above your GL, auto, and employers liability policies.
Built for the way you actually operate.
Businesses whose contracts, leases, or risk profile call for liability limits beyond what the underlying policies provide — often contractors, property owners, and companies with fleets.
Real scenarios, in plain terms.
A claim exceeds your GL limit
A serious injury claim can move past a $1M occurrence limit quickly. An umbrella adds another layer above the underlying policies — available limits vary by carrier and underwriting.
Contract requires higher limits
General contractors and landlords frequently require higher total limits. An umbrella is often the most cost-effective way to get there, subject to carrier availability and underwriting.
Considerations & limitations.
Every policy has terms, conditions, and exclusions. These are the points we walk through before you decide — availability and eligibility vary by carrier.
- Umbrellas sit over specific underlying policies — the underlying limits must be maintained.
- Not every umbrella follows the same terms as the underlying policy; exclusions can differ.
- Umbrella is not a substitute for professional liability or other specialty lines.
Frequently asked.
How much umbrella coverage should we carry?
Enough to satisfy your largest contract requirement and to protect the business's assets against a severe claim. We'll look at both with you.
Does an umbrella cover everything my other policies don't?
No. It adds limits over scheduled underlying policies — it doesn't fill coverage gaps or add new types of coverage.
Ready to talk it through?
Send a request anytime. Our response target is five minutes; response times may vary. Submitting a request does not bind or change coverage.