COMMERCIAL UMBRELLA & EXCESS INSURANCE
Commercial Umbrella & Excess Liability Insurance
Need higher limits fast? A business umbrella insurance policy (aka commercial excess liability) stacks protection above General Liability, Auto, and Employers Liability—so one major claim doesn’t cap your growth.
WHO IT’S FOR
From umbrella insurance for LLC and small business to multi-layer corporate towers, we tailor terms to your contracts and risk profile.
- LLCs, S-Corps, Sole Props
- Contractors & Construction
- Property Owners / Managers
- Commercial Fleets & Trucking
- Events / Entertainment / AV
WHAT IT DOES
A commercial liability umbrella policy or commercial excess liability insurance raises limits above GL, Auto, and Employers Liability—often follow-form.
Meets contract limit requirements
Owners, GCs, venues, and lenders frequently require total limits of $5M–$10M+.
Protects against “shock losses”
Large bodily injury or auto claims can exhaust primary limits—umbrella adds cushion.
HOW WE PLACE
We quote stand-alone commercial umbrella insurance (monoline) and attached/follow-form options with top commercial umbrella insurance companies.
COVERAGE OVERVIEW
Typical underlying schedule:
- General Liability (Prem/Ops, Products/Completed Ops)
- Commercial Auto (incl. fleets; commercial truck umbrella insurance)
- Employers Liability (umbrella sits above EL, not WC benefits)
- Specialty Liability as allowed by carrier
What it usually does not cover
Umbrella generally follows form. If the underlying excludes it (e.g., professional liability, WC benefits, many cyber events), the umbrella typically excludes it too—unless endorsed.
PRICING BASICS
Carriers price based on class of business, payroll/sales/units, fleet safety, loss history, and your underlying limits/terms.
Lower-hazard small business
$1M umbrella can start in the low four figures annually.
Higher-hazard / heavy auto
$5M–$10M often mid-four to five figures depending on exposure.
INTERACTIVE ESTIMATOR*
READY TO UPLOAD?
- ACORD apps + GL/Auto/WC/EL decs
- Loss runs (3–5 years)
- Requested limit ($1M–$20M+)
- Contracts/indemnity terms
FREQUENTLY ASKED QUESTIONS
How much is a $1,000,000 umbrella insurance policy?
It varies by class, fleet/auto exposure, payroll/sales, and loss history. For low-hazard small businesses, $1M can start in the low four figures annually.
How much does commercial umbrella insurance cost?
Premiums scale with limits ($2M, $5M, $10M, $20M+) and auto exposure. We’ll shop multiple carriers to pin it down.
What does umbrella insurance cover you for?
It increases the limit above covered claims on your primary policies—typically General Liability, Auto, and Employers Liability.
What does a commercial umbrella policy not cover?
Umbrella generally follows form. If it’s excluded below, it’s usually excluded above—unless endorsed.
How much does business insurance cost for an LLC?
Depends on the policies you carry (GL, Auto, Property, WC, Umbrella) and your operations. We’ll tailor and quote.
Does an LLC need an umbrella policy?
If contracts/venues require higher limits or your exposure includes large-severity risks, an umbrella is advisable.
How much is a $2 million dollar insurance policy for a business?
As an umbrella layer, $2M pricing depends on class, auto exposure, and losses. We’ll provide exact quotes.
What is commercial excess liability insurance?
A policy that adds limits above your primaries. “Excess” often strictly follows form; “umbrella” may include limited enhancements.
How much is a $1,000,000 general liability policy?
GL costs vary widely by class and rating basis. We’ll quote your operation and layer umbrella if needed.
Is excess liability coverage worth it?
Often yes—especially for contractors, fleets, and property owners facing contract requirements or high-severity risks.
Who needs excess liability coverage?
Contractors, trucking/fleets, manufacturers, real estate owners, event producers—anyone facing large potential losses.
How much is a $5 million dollar insurance policy for a business?
Commonly mid-four to five figures annually depending on exposure and losses. Often built in layers.
What business insurance does an LLC need?
Often GL, Auto (if vehicles), Property/Equipment, WC (employees), and Umbrella/Excess; consider Cyber, EPLI, Professional as needed.
How much is $2 million liability insurance?
As a GL limit, it depends on class and exposure. As an umbrella layer, it’s priced relative to your underlying schedule and losses.
What is the purpose of excess liability insurance?
Provide additional limit above primaries to protect your balance sheet and satisfy contracts.
What does commercial insurance not cover?
Exclusions vary by policy; umbrellas follow most primary exclusions unless specifically endorsed.
What is the best type of insurance for a small business?
Start with GL (and Auto/Property/WC as needed). Add umbrella for cost-efficient higher limits; consider Cyber/EPLI/Professional.
How much does excess liability insurance cost?
Scales with limits, auto exposure, class, and loss history. We shop multiple carriers for competitiveness.
Can you run a business without liability insurance?
Some jurisdictions don’t mandate GL, but contracts/landlords often do. Operating without it exposes the balance sheet.
How much is liability insurance for a small LLC?
Depends on operations and coverages. We’ll price a right-sized program and show the incremental umbrella cost.
What is another name for excess liability insurance?
“Umbrella” is commonly used interchangeably, though some “excess” forms are strictly follow-form. We’ll clarify.
READY TO QUOTE OR BIND?
Provide the following and we’ll move fast:
- ACORD apps + policy decs for GL, Auto, and WC/EL
- Loss runs (typically 3–5 years)
- Requested umbrella/excess limit ($1M–$20M+)
- Any special indemnity/contract requirements
DOWNLOAD THE SUPPLEMENT
If your carrier needs a supplement, use ours below or send theirs—we’ll complete what we can for you.
We also handle ACORD Excess Liability applications and schedules for umbrella insurance for business owners, contractors, and corporate programs.