Because any underlying policy limits are used first, insurers typically can write commercial umbrella policies
at relatively low rates. This means you’d be able to increase the coverage of several critical policies while controlling your premium costs. Umbrella insurance is cheaper than traditional liability coverage – plus, it carries no deductible when it kicks in after your primary insurance has been exhausted.
A typical umbrella policy begins with a $1 million limit; you could potentially go as high as $10 million or more, depending on your business’ risk environment.