Get Commercial Umbrella Insurance
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What Is Commercial Umbrella Insurance?
Commercial umbrella insurance gives you extra protection to help cover a claim that exceeds the limits of certain liability policies.
Without this type of commercial insurance coverage, you’d have to pay out of pocket for costs that go over your policy limits. This can include:
- Legal costs
- Medical bills
- Damage to other people’s property
- Judgments and settlements
To get added protection today, get a quote for commercial umbrella insurance.
How Does Commercial Umbrella Insurance Work?
Commercial umbrella insurance extends the limits of certain liability policies. This includes general liability and commercial auto insurance. Another name for this coverage is business umbrella insurance.
Our commercial umbrella insurance is flexible. It can extend the liability coverage that you may have with other insurance companies. So, if you have a commercial auto insurance policy from another insurer, we can give you an additional layer of protection and extend its limit.
Be aware that commercial umbrella insurance is different than excess liability insurance. Excess liability coverage extends the limits on one specific liability policy. Commercial umbrella insurance is a type of excess liability insurance that extends the limits of different policies, which gives the insured broader protection.
Let’s say one of your employees gets into an accident while making a delivery to a customer. They accidentally crash into someone else’s car, causing significant damage and injuries. The costs to repair the damages, in addition to the medical bills, exceed your business’ liability limits.
Excess liability coverage can help pay for the costs that exceed your commercial auto or general liability policy.
Commercial umbrella insurance can help cover the costs exceeding the limits of both your commercial auto and general liability policy.
What Does a Commercial Umbrella Policy Cover?
A commercial umbrella policy can help cover:
- Bodily injury, like a customer getting hurt at your business
- Property damage that your business caused
- Lawsuits from customers or employees with work-related injuries or illnesses
Be aware that commercial umbrella insurance adds an extra layer of protection to an existing, underlying policy. For example, if you don’t have a general liability insurance policy, you can’t get commercial umbrella coverage.
Business Umbrella Insurance Limits
Insurance companies write business umbrella insurance policies with aggregate limits. These limits can range from $1 million to $15 million. This is the maximum amount your insurance company will cover for any claims made during your policy period.
What Is Not Covered by a Business Umbrella Policy?
Commercial umbrella insurance doesn’t cover all liability claims. It also doesn’t extend the limits of certain policies, like commercial property insurance.
Let’s say a fire significantly damages your business’ equipment. The cost to replace and repair your property exceeds your commercial property limits. You’d have to cover the difference out of pocket because commercial umbrella insurance doesn’t cover business property claims.
Hear From Our Customers
“I love The Hartford. I’ve been a customer for six years. My coverages are general liability, umbrella, and waiver of subrogation. I had to make three additions recently, and it was a smooth process.”
– Tom Rummel, Owner of Presto Cleaning
Who Should Purchase Commercial Umbrella Insurance?
Typically, the more small businesses interact with clients and customers in person, the higher their liability risks. Your risks can be even greater if your employees use heavy machinery or dangerous equipment.
If you think the cost of a claim could exceed your liability limits, it’s a good idea to consider commercial umbrella insurance. This coverage can help if your business:
- Frequently interacts with customers
- Works on someone else’s property
- Allows the public to visit during open hours
If people can visit your business, it increases the risk of bodily injury. For example, wholesalers often work with machinery to restock shelves during business hours. Using this type of equipment around customers poses a risk of injury. If someone gets hurt, you can face costly medical expenses and lawsuits exceeding your general liability limits.
Working offsite can also increase your business’ liability risk. For example, if your employees are working at a client’s house, there’s a higher risk of property damage. They can accidentally:
- Put holes in the walls
- Break windows
- Damage cars
What Is Commercial Umbrella Insurance?
What does commercial umbrella insurance cover? It helps increase your business’s liability coverage when the cost of a lawsuit exceeds the limits of your core business coverage. Watch this video to learn more about what commercial umbrella insurance coverage is and why your business may need it.
How Much Does Commercial Umbrella Insurance Cost?
Commercial umbrella insurance costs vary by state. It can depend on the:
- Amount of underlying coverage
- Limit amount
- Type of business
- Business size
The best way to find out your insurance cost is to get a quote.
How To Get a Commercial Umbrella Quote
We make it quick and easy to get a commercial umbrella insurance quote online. Make sure you have a copy of your current business liability insurance or commercial auto insurance policies. You’ll need to know how much coverage you have for each policy when you’re getting a quote.
We’re an experienced insurance company with over 200 years of experience. Our specialists can work with you to get you the coverage you need. Get a quote today and see how we can help protect your business.
Other Business Coverages
We offer insurance coverages for companies of all sizes – large and small.
Last Updated: May 8, 2026
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