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.
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.