Commercial Umbrella, when your limits run out.

A commercial umbrella policy provides an additional layer of liability protection above and beyond your underlying general liability, commercial auto, and workers' compensation policies.

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Commercial Umbrella

An umbrella is worth looking at when you have significant assets, contracts requiring higher limits, or operations with meaningful public exposure.

01, Excess Limits

Excess Limits

Adds a layer of liability coverage above your base policies, which applies once those limits are exhausted.

Learn More →02, Broad Coverage

Broad Coverage

Follows the underlying policies, general liability, commercial auto, and workers' comp, automatically, without requiring separate claims handling for each policy.

Learn More →03, Contract Compliance

Contract Compliance

Satisfies higher limit requirements in commercial leases, construction contracts, vendor agreements, and other business contracts that demand more than standard limits.

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When You Need a Commercial Umbrella

A commercial umbrella sits above the limits on your general liability, commercial auto, and employer's liability, and pays when a claim exceeds them. What limit to carry is set by what sits underneath it and by what your contracts require. Kain Carlson reviews your underlying policies, asset exposure, and contract requirements to recommend the right umbrella structure. Note that a personal umbrella is a separate policy covering the other side of your risk.

High-Exposure Operations

Businesses with significant public interaction, fleet vehicles, employees working on client sites, or other high-frequency liability exposures benefit most from excess limits protection.

Significant Business Assets

The more your business has built, the more there is to protect. Businesses with real property, equipment, accounts receivable, and other significant assets need limits that match their exposure.

Contract Requirements

Many commercial leases, construction contracts, and government vendor agreements require $2M, $5M, or higher combined liability limits, only achievable through an umbrella.

A Personal Umbrella Is Separate

A personal umbrella is a separate policy that protects your personal assets above your home and auto limits. Business owners typically need both a commercial umbrella and a personal umbrella, reviewed together by Kain Carlson.

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Licensed in ND & MN · Based in Fargo

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