Commercial Umbrella

Excess Liability Limits

A commercial umbrella adds $1M to $10M or more in additional liability limits above your general liability, commercial auto, and workers' compensation policies. For a business with meaningful assets to protect, an umbrella is among the most cost-effective coverage purchases available, adding significant protection at a fraction of what base limits cost per million.

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Coverage Principle

Excess Liability Limits should be reviewed against real exposure, not assumed from the coverage label.

The real issue is not whether the coverage exists; it is whether the limits, exclusions, eligibility rules, definitions, contracts, people, property, timing, and carrier requirements match how the risk actually shows up. When those details are not reviewed before renewal or enrollment, a policy can look complete on paper while the most important conditions remain unclear until someone tries to use it.

Commercial Umbrella

What You Need to Know About Excess Liability Limits

Cost Per Million
The first $1M of liability coverage, the base GL limit, is the most expensive million you buy. Each additional million through an umbrella policy costs significantly less. For most businesses, a $2M umbrella adds twice the protection of the base limit at a fraction of the cost.
Covers All Underlying Policies
One commercial umbrella sits above all qualifying underlying policies, GL, commercial auto, and workers' comp. Rather than buying higher limits on each policy separately, the umbrella efficiently extends protection across the entire liability program.
Right-Sizing the Limit
The appropriate umbrella limit depends on your asset exposure, contract requirements, and industry. Businesses with real estate, equipment, accounts receivable, and business equity need limits that reflect the total value that could be reached by a significant judgment.
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Independent · Licensed in ND & MN · All major carriers · Based in Fargo
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