Commercial Umbrella Insurance
Protect your business.
Secure your future.
Additional liability coverage beyond your general liability and commercial auto policies. Essential protection for businesses facing major claims.
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Critical Protection Layer
Commercial umbrella provides essential excess liability coverage when your primary commercial policies reach their limits. Many contracts, leases, and high-risk operations require or strongly recommend commercial umbrella coverage.
Why commercial umbrella matters
A single major lawsuit can devastate your business finances. Commercial umbrella insurance provides an extra layer of protection when your general liability, commercial auto, or other commercial policies reach their limits. It's essential for businesses with significant assets, high-risk operations, or contractual requirements for higher coverage.
Underlying policy requirements
- General Liability: Typically $1M per occurrence / $2M aggregate minimum
- Commercial Auto: Typically $1M CSL or $1M/$1M minimum
- Other Policies: May require professional liability, employers liability, or other commercial policies depending on your operations
- Policy Maintenance: All required underlying policies must be maintained to keep umbrella coverage in force
What's covered
Comprehensive liability protection that kicks in when your underlying commercial policies reach their limits.
Extra liability protection
Additional coverage beyond your general liability, commercial auto, and other commercial policy limits, protecting your business from catastrophic financial loss due to major lawsuits or claims.
Legal defense coverage
Comprehensive coverage for legal fees, attorney costs, and court expenses if your business is sued, even if the lawsuit is groundless.
Worldwide coverage
Protection extends globally, covering incidents that occur anywhere in the world, not just within the United States.
Business asset protection
Safeguard your business assets, revenue, and future earnings from devastating liability claims that exceed your primary policy limits.
When you need commercial umbrella coverage
Real-world scenarios where commercial umbrella protects your business from catastrophic claims.
Major Customer Injury
A customer suffers catastrophic injuries at your business location, with medical costs and damages exceeding your GL policy limits
Commercial Auto Accident
Your company vehicle causes a serious multi-vehicle accident with injuries exceeding your commercial auto liability limits
Product Liability Claim
Your product causes widespread injury or property damage, resulting in a class-action lawsuit exceeding your GL limits
Premises Liability
A serious slip-and-fall or other premises incident results in permanent disability and a major lawsuit
Advertising Injury
Your business faces a defamation or copyright infringement lawsuit with damages exceeding your GL policy
Contractual Liability
You're held liable for damages under a contract, with claims exceeding your primary commercial policy limits
What you'll need for a quote
Have this information ready for the most accurate commercial umbrella quote.
Current Commercial Policies
- •General liability policy details and limits
- •Commercial auto policy details and limits
- •Other commercial policies (E&O, D&O, etc.)
- •Policy numbers and carriers
- •Current umbrella coverage (if any)
Coverage Preferences
- •Desired umbrella limit ($1M-$10M+)
- •Number of business locations
- •Number of commercial vehicles
- •Annual revenue and employee count
Business Information
- •Industry and operations description
- •Contractual requirements for higher limits
- •Claims history (past 5 years)
- •Risk exposures and operations
Risk Factors
- •High-risk operations or products
- •Multiple locations or states
- •Large customer base or public access
- •Contractual liability exposures
Ready to protect your business?
Get a personalized commercial umbrella quote from a licensed Gulf Coast agent.
Choosing your coverage limit
Select the protection level that matches your business assets and risk exposure.
$1-2 Million
Entry-level protection for small to medium businesses with moderate risk exposure. Good starting point for most businesses.
$3-5 Million
Enhanced protection for businesses with higher revenue, multiple locations, or greater liability exposure.
$5-10 Million+
Maximum protection for high-risk industries, large enterprises, or businesses with significant assets and contractual requirements.
Need help determining the right coverage amount?
Talk to an AgentGet your quote today
Choose the method that works best for you
Online Quote
Fast turnaround on all online submissions
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Frequently asked questions
Common questions about commercial umbrella insurance
Still have questions?
Call us at (504) 315-4536Coverage, limits, discounts, and eligibility vary by carrier and state. Examples are educational and not a guarantee of coverage. Review your issued policy for terms, conditions, and exclusions.
Contact Us About Commercial Umbrella Insurance
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