Umbrella insurance
Commercial umbrella
Additional liability limits above the policies listed beneath the umbrella, subject to its own terms.
An umbrella is more than a limit. The liability policies beneath it, required limits, operations, locations, vehicles, and contractual obligations must meet the umbrella's requirements.
Who this covers
- Property owners
- Commercial portfolios
- Associations
- Property managers
- Businesses with contract requirements for higher liability limits
What underwriters look at
- General liability policy beneath the umbrella
- Commercial auto, where applicable
- Employers liability (liability coverage tied to employee injuries)
- Attachment point (the underlying limit that must be reached before the umbrella may respond)
- Where umbrella terms differ from the policies beneath it
Common questions
Does an umbrella broaden every underlying policy?
No. An umbrella has its own terms and may cover less, or respond differently, than a policy beneath it. Review the actual quote and wording.
How much umbrella coverage is enough?
There is no universal answer. Assets, operations, contracts, loss potential, risk tolerance, the limits insurers offer, and professional advice all matter.
Start a conversation
Tell us about the policies and limits.
Share the details and current coverage you already have. We’ll tell you what else is needed.