Commercial Umbrella Insurance

Commercial umbrella insurance provides extra liability protection beyond the limits of your general liability, auto liability, or employer’s liability policies. It helps cover large claims that exceed your standard policy limits.

If your business faces a lawsuit or major accident, your standard liability policy may not be enough. Umbrella insurance helps protect your company’s assets and ensures you don’t have to pay large out-of-pocket costs.

It typically covers bodily injury, property damage, and certain legal defense costs once your underlying liability policy has been exhausted.

Any business that works on large projects, employs crews, drives company vehicles, or interacts with the public regularly can benefit. Contractors, manufacturers, and service-based businesses often carry umbrella policies for added peace of mind.

Coverage amounts vary, but most businesses purchase between $1 million and $5 million in umbrella protection, depending on project size, contracts, and risk exposure.

No. Umbrella insurance is designed to extend the limits of your existing policies—it doesn’t replace them. You must have primary liability coverage first.

Costs depend on your industry, the amount of coverage you need, and your claims history. Many businesses find umbrella insurance surprisingly affordable compared to the protection it provides.