A single serious accident — a multi-vehicle crash involving a company truck or a severe injury on a job site — can produce a claim larger than your general liability or commercial auto limits. A commercial umbrella adds another layer of liability protection on top of those policies, often at a modest cost for the protection it provides.
How a commercial umbrella works
Your underlying policies pay first. When a covered claim exceeds their limits, the umbrella pays the rest, up to its own limit. Umbrellas typically sit above:
- General liability
- Commercial auto
- Employers liability
Who needs one
- Contractors and trades, especially when contracts require higher limits
- Businesses with vehicles or fleets on the road
- Businesses with public foot traffic: restaurants, retailers, venues, and churches
- Landlords and property owners
- Businesses with significant assets to protect
Getting the structure right
An umbrella only works if the policies underneath it are set up correctly. Because we handle your whole program, we make sure the underlying limits, policy dates, and coverage forms line up — so your protection doesn’t have gaps when you need it most.
