Commercial umbrella & excess
Extra liability limits that sit above your primary policies, such as general liability, auto and employer's liability, for the claims that would otherwise outgrow them.
What it generally covers
- Higher limits above general liability
- Higher limits above commercial auto
- Higher limits above employer's liability
- In some cases, broader coverage than the underlying policies
Who usually asks about it
- Businesses with vehicles on the road
- Contractors and businesses with public exposure
- Anyone whose contracts require higher limits
- Owners with significant assets to protect
Common questions
What's the difference between umbrella and excess?
An excess policy generally follows the terms of the policy beneath it. An umbrella can sometimes be broader. The details are in the policy wording.
Do my primary limits matter?
Yes. Umbrella carriers usually require minimum limits on the underlying policies before they'll sit on top.
Does a business umbrella cover me personally?
No. Personal liability is covered by a personal umbrella. Many owners review both together.
General information only. Coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits your situation.