Sits over multiple lines
Unifies excess protection over General Liability, Commercial Auto, and Employer Liability (Workers Comp Part B).
High-limit liability protection
Commercial umbrella insurance to extend protection beyond underlying limits.
Provide multi-million dollar liability limits ($1M to $10M+) that sit directly above your General Liability, Commercial Auto, and Employer Liability policies to protect your business against catastrophic losses.
Quick insurance start
Why is commercial umbrella / excess liability on your radar today?
Select the option that best matches your current situation, and we’ll carry it directly into your request.
Catastrophic risk shielding
When a single severe lawsuit exceeds your primary $1M limit.
A multi-vehicle crash involving a company truck or a severe jobsite injury can easily breach a standard $1,000,000 general liability or commercial auto policy. Commercial umbrella pays the excess balance, preventing corporate insolvency.
Key coverage solutions
Structured around the realities of your situation.
Satisfies vendor contracts
Instantly meets $2M, $5M, or $10M requirement clauses in municipal, corporate, and landlord agreements.
Defense costs continuation
Maintains attorney defense representation after underlying primary policy limits have been exhausted.
Cost-effective capacity
Delivers millions in additional liability protection at a fraction of the cost of multiple separate primary endorsements.
Quote underwriting details
What we need to build your independent comparison.
- Underlying policy limitsRequires conforming underlying limits (typically $1M/$2M GL, $1M Auto CSL, and $500k Employer Liability).
- Fleet & driver profileNumber of commercial vehicles, gross vehicle weights, driver MVRs, and travel territories.
- High-risk operationsEvaluation of subcontracted work, height exposures, chemical handling, or product liability risks.
Related discovery
Independent market access
We compare available markets for coverage, price, and fit.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed carrier does not constitute a guarantee of coverage or rate.
Frequently asked questions
Common questions about commercial umbrella / excess liability.
What is the difference between an Umbrella and an Excess Liability policy?
A true umbrella can provide broader wording than the underlying form, while a "following form" excess policy provides additional limits strictly under the terms of the primary policy.
Can a commercial umbrella cover professional liability or cyber?
Generally no. Traditional commercial umbrellas sit over GL, Auto, and Workers Comp. Excess E&O or excess Cyber must be written under dedicated excess lines.
Do all my primary policies have to be with the same carrier?
Not necessarily. While package carriers offer discounts, we have standalone umbrella markets that sit over acceptable third-party admitted carriers.
Ready to begin?
Start your independent quote comparison today.
Tell us what changed. An agent will review your request, compare available markets, and follow up with clear recommendations.