Commercial Umbrella Insurance

Independent broker. Extra protection above your GL, auto, and employers liability—so big claims don’t become big problems.

☂️Extra liability limits 🧱Sits over GL/Auto/EL 📄Contract-ready
📘 What a commercial umbrella does
  • Extends limits above your underlying policies (GL, commercial auto, employers liability).
  • Follows form — typically mirrors core terms/conditions of underlying coverage.
  • Can help you meet contract or lease requirements for higher limits.
🧩 Key options & considerations
  • Limits: commonly $1M–$10M layers; higher towers available for certain classes.
  • Underlying requirements: GL/Auto/EL minimum limits must be met to keep the umbrella valid.
  • Excess vs. Umbrella: excess may be more limited (purely adds limits) vs. umbrella (broader, follows form; varies by carrier).
  • Aggregate/application: per-location or per-project aggregates on GL may affect how the umbrella applies.
📏 Right-sizing the umbrella

We’ll price multiple layers (e.g., +$1M, +$2M, +$5M), confirm your operations exposure, vehicle count/weights, payroll, and any contract specs—so you buy enough, not too much.

🧮 How much umbrella do we need?

We’ll map your largest contracts, fleet size, and premises/operations exposure, then show pricing for a few layers so you can choose confidently.

⚙️ What underlying limits are required?

Commonly GL $1M/$2M, Auto $1M CSL, and Employers Liability (e.g., $1M). We’ll confirm the exact thresholds per carrier.

🚫 What’s usually not covered?

Professional liability, cyber, and liquor are typically excluded unless separately scheduled. We’ll quote those lines alongside your umbrella if needed.

Need higher limits for a contract?

Send your insurance section and current policies. We’ll line up umbrella options and make sure the underlying meets carrier rules.

Discuss an umbrella