Commercial Umbrella Insurance
Extra protection for when the unexpected goes beyond your limits.
What is commercial umbrella insurance?
Even the best insurance policies have limits. 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 existing business insurance.
It only activates after your underlying policy (like general liability or commercial auto) reaches its limit.
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 policy reaches its limit in a major claim, your umbrella coverage automatically takes over, up to the additional amount you’ve chosen.
This ensures your business remains protected against catastrophic losses.
What does it cover?
Commercial umbrella insurance doesn’t create new types of coverage — instead, it expands the limits on your existing ones.
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 causes 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.
Protect beyond the basics.
Umbrella insurance gives your business room to breathe when the unexpected happens.