What Is It?
Understanding Commercial Umbrella Insurance
Commercial Umbrella insurance provides an additional layer of liability coverage above your General Liability, Commercial Auto, and Employers Liability policies. It kicks in when a claim exceeds your primary policy limits, protecting your business from catastrophic losses.
Who Needs It?
Is This Right for My Business?
Businesses with significant liability exposure — contractors, manufacturers, restaurants, fleets, and any company with substantial assets to protect. It’s especially important if you’re required by contract to carry high liability limits.
Coverage Details
What Does Commercial Umbrella Insurance Cover?
Additional coverage above your primary policy limits.
Covers certain claims that may fall in gaps between underlying policies.
Covers defense costs after primary limits are exhausted.
Many policies provide coverage for incidents anywhere in the world.
One umbrella policy can sit over multiple underlying policies.
Helps meet high liability limits required by contracts and clients.
Where We Work
Licensed in Georgia, Alabama, Tennessee, North Carolina, South Carolina, Virginia & Arkansas
We help businesses across the Southeast and can place coverage nationwide through our carrier network.