Commercial Umbrella Insurance – Just in Case!

A commercial umbrella policy provides an extra layer of liability coverage above your primary business insurance policies. When a major claim exceeds your underlying policy limits, umbrella coverage kicks in.

How Commercial Umbrella Works

Your primary policies (GL, auto, employers' liability) each have coverage limits. If a claim exceeds those limits, umbrella coverage provides additional protection — typically in increments of $1 million.

Example: Your GL policy has a $1 million per-occurrence limit. A serious accident results in a $2.5 million judgment. Your GL pays $1 million. Your $2 million umbrella covers the remaining $1.5 million.

What Umbrella Covers

• Bodily injury and property damage claims that exceed GL limits
• Commercial auto liability that exceeds auto policy limits
• Employer's liability claims that exceed workers' comp limits
• In some cases, personal injury claims not covered by underlying policies

Who Needs Umbrella Coverage?

Any business with significant liability exposure — especially those with: physical locations open to the public, a fleet of vehicles, significant assets to protect, government contracts, or high-profile events.

Cost

A $1 million commercial umbrella policy typically costs $300–$900/year depending on your business type and underlying coverage. It's one of the most cost-effective ways to protect your business from catastrophic claims.