Commercial Umbrella Insurance
Extra protection for when the unexpected goes beyond your limits.
What is commercial umbrella insurance?
Commercial umbrella insurance adds an extra layer of protection when large claims exceed your existing coverage, helping safeguard your business from costly lawsuits or high-value claims.
A commercial umbrella policy increases the liability limits of your underlying business insurance, such as general liability or commercial auto.
It only activates after those underlying policies reach their limits.
Many vendors, landlords, and contracts even require umbrella coverage to meet higher liability standards.
How does it work?
To be eligible for umbrella protection, your business must maintain active underlying policies.
If a listed underlying policy reaches its limit in a major claim, your umbrella coverage automatically takes over.
This ensures your business remains protected against catastrophic losses.
Most commercial umbrella policies start at $1 million in additional coverage and can extend much higher depending on your risk profile.
What does it cover?
Commercial umbrella insurance doesn’t create new types of coverage — instead, it increases the liability limits on your existing policies.
It can provide additional protection for:
Customer injuries (beyond your general liability limits)
Property damage caused by your business
Product liability claims
Auto accidents involving business vehicles
This type of policy is often called “follow form” coverage, meaning it mirrors the terms of your underlying policies.
Example claims scenario
One of your employees is involved in a serious auto accident while driving a company vehicle. The resulting lawsuit totals $1.5 million in damages — but your business auto policy only covers $1 million.
Without umbrella insurance, your business would be responsible for the remaining $500,000.
With a commercial umbrella policy, that gap would be covered — protecting your finances and your future.
When claims exceed expectations, umbrella coverage fills the gap.
Let’s help you protect your business from high-severity losses.