Commercial Umbrella Insurance
When a covered liability claim goes beyond your primary policy’s limits, an additional layer can help protect what you’ve built.
Higher limits above eligible policies.
Commercial umbrella or excess liability can provide additional limits over scheduled underlying policies. Select a policy below to see how it may fit.
Serious claims involving your business.
May add limits for covered third-party bodily injury or property damage after the scheduled general liability policy’s applicable limits are exhausted.
The umbrella must accept the underlying policy and the exposure. Exclusions and required underlying limits still apply.
Illustration only. Umbrella and excess forms differ. They do not automatically cover every policy, loss, or exclusion.
Build the limits around your business.
Know the exposure.
We review your work, locations, vehicles, contracts, and liability loss history.
Check what sits below.
Underlying limits, policy dates, insured entities, and exclusions need to align.
Compare the structure.
We review requested limits and contract requirements alongside available terms.
Professional liability, cyber, pollution, and employment practices may need separate coverage or specialized excess policies.
Prefer a fillable PDF?
Download the questionnaire, enter your answers, and save a copy. Return it with your underlying declarations and loss runs to [email protected].
Download Umbrella Questionnaire3 pages with editable fields, dropdowns, and checkboxes. Open in a PDF app that supports form filling.Let’s review your liability program.Open the online quote request to get started.
Coverage is subject to carrier underwriting, eligibility, terms, limits, conditions, and exclusions. Submitting a request does not bind or change insurance.
Photography: Centre for Ageing Better / Unsplash.
