What it is
A commercial umbrella adds a layer of liability coverage on top of your existing business policies — general liability, commercial auto, and often employer's liability. When a claim exhausts the underlying limit, the umbrella keeps paying, up to its own much higher limit.
Why it matters
A single serious accident, injury, or lawsuit can run past a $1,000,000 underlying limit fast. Without an umbrella, everything above that limit comes out of the business — its assets, its accounts, sometimes the owner's. An umbrella is usually inexpensive for the protection it buys, because it only pays after a large underlying limit is used up.
Who needs one
- Businesses with real assets or revenue to protect
- Anyone whose contracts or leases require higher combined limits than a standard policy carries
- Operations with meaningful public exposure — customers on site, vehicles on the road, work at client locations
What it does NOT do
- It's not standalone — it requires the underlying policies (and their minimum limits) to sit on top of
- It doesn't cover your own property or employee injuries directly — it extends liability
- It won't fill a coverage that was excluded underneath — only extend one that responds
What we do
We size the umbrella to your real exposure and to what your contracts demand, and make sure your underlying policies meet the limits the umbrella requires — so there's no gap between the layers.
Let's get you covered.
Tell us what you need and we'll shop it across our carriers — or just ask a question first.