Commercial Umbrella INSURANCE
Bigger protection for bigger stakes.
Extra liability capacity for the business you are working hard to grow.
WHO IT’S FOR
Built around your life.
Businesses that need additional limits for major claims or contractual requirements.
What it typically covers
- Extra limits above eligible general liability
- Additional limits above eligible commercial auto
- Certain employer liability exposures when eligible
- Defense and excess liability as defined in the policy
Coverage depends on the carrier, selected options, limits, deductibles and policy terms. We’ll walk through the details with you.
THE DETAILS MATTER
Common gaps people miss.
01 / WORTH A CONVERSATION
Not every business policy automatically sits underneath an umbrella.
02 / WORTH A CONVERSATION
Professional, cyber and pollution exposures can be excluded.
03 / WORTH A CONVERSATION
Contract requirements need to be reviewed against actual policy terms.
STRAIGHT ANSWERS
A few things you might be wondering.
Will it cover all of my business policies?
No. Underlying policies must be accepted and scheduled, and exclusions still apply. We help check the fit.
Can it help with a contract requirement?
Often, but limits are only part of the requirement. We will review the insurance language before recommending coverage.
How much should I carry?
We consider operations, vehicles, contracts and the potential severity of claims, then discuss sensible limits.
Let’s talk commercial umbrella.
Tell us what matters. We’ll help you find the right fit.