COMMERCIAL UMBRELLA & EXCESS INSURANCE
$1,000,000 | $5,000,000 | $10,000,000 | $20,000,000
Need help?
Call or text anytime — even in the middle of the night. If we’re able to answer, we will.
EXCESS & UMBRELLA
Commercial Umbrella & Excess Liability Insurance
Need higher limits fast? Umbrella (aka commercial excess liability) stacks above your General Liability, Auto, and Employers Liability so one major claim doesn’t cap your growth.
$1M
$2M
$5M
$10M
$20M+
Monoline & Follow-Form
Prefer paperwork first?
Download the Umbrella & Excess Supplement (PDF)
Coverage overview (what umbrella/excess usually sits over)
Most umbrellas are follow-form: if it’s excluded below, it’s usually excluded above unless endorsed.
GL
General Liability
Premises/Operations + Products/Completed Ops are the usual foundation.
AUTO
Commercial Auto
Auto exposure drives umbrella pricing—especially fleets and heavy auto.
EL
Employers Liability
Umbrella can sit above EL (not workers comp benefits).
+
Monoline or Attached
We place stand-alone umbrella (monoline) or attached/follow-form options.
Not sure if you need umbrella vs excess?
Tell us your required limit and the policies you already carry. We’ll map the cleanest structure and shop it.
Pricing basics + quick limit estimator
Carriers price umbrella/excess based on class of business, payroll/sales/units, fleet safety, loss history, and underlying limits/terms. The tool below is a rough illustration — not a quote.
Lower-hazard small business: $1M can start in the low four figures annually.
Higher-hazard / heavy auto: $5M–$10M often mid-four to five figures depending on exposure.
Layered towers: $20M+ is often built with multiple layers/carriers.
Want real numbers?
Send your GL/Auto/WC/EL dec pages + loss runs and we’ll move fast.
If you need help, call or text anytime — even in the middle of the night. If we’re able to answer, we will.
Selected limit
$5M
Illustrative only
Very rough illustration (not a quote)
$4,500 – $9,500 / yr
Actual pricing depends on class, auto exposure, underlying schedule, and loss history.
We’ll shop multiple carriers for you.
Ready to upload? Here’s what speeds this up
If you have these, we can usually cut straight to market and get terms back faster.
✓
ACORD apps + GL/Auto/WC/EL declarations pages
✓
Loss runs (typically 3–5 years)
✓
Requested limit ($1M–$20M+)
✓
Contracts / indemnity terms (if you have them)
Fast track your umbrella quote
If you need help, give us a call anytime — even in the middle of the night; if we are able, we’ll answer.
Call/Text Anytime (412) 212-2800.
Need a supplement? Use ours:
Umbrella & Excess Supplement (PDF)
FAQ (indexed — search it)
Type a keyword (examples: “cost”, “$5M”, “contract”, “follow form”, “excess vs umbrella”) and jump to what you need.
How much is a $1,000,000 commercial umbrella policy?
It varies by class, auto exposure, payroll/sales, underlying terms, and loss history. Many low-hazard businesses can start in the low four figures annually.
How much does commercial umbrella insurance cost?
Premium scales with limits ($2M, $5M, $10M, $20M+) and auto exposure. We typically shop multiple carriers to pin down best value for your risk profile.
What does umbrella insurance usually sit over?
Typically General Liability, Commercial Auto, and Employers Liability. Some carriers allow additional underlying schedules depending on class and form.
What does a commercial umbrella policy NOT cover?
Umbrella generally follows form. If it’s excluded on the underlying, it’s usually excluded above unless specifically endorsed. Details vary by carrier and wording.
What is commercial excess liability insurance?
Excess adds limits above underlying policies, often strictly follow-form. “Umbrella” is commonly used interchangeably, but can sometimes include limited enhancements depending on the form.
How much is a $5M umbrella for a business?
Often mid-four to five figures annually depending on class, auto exposure, underlying limits, and loss history. Many programs are built in layers at higher limits.
Do I need $10M or $20M+ limits?
If contracts/venues/owners require higher total limits, or your exposure includes higher-severity risks (heavy auto, premises with foot traffic, portfolios), higher limits can be a cost-efficient balance-sheet protector.
Is excess/umbrella worth it for contractors, fleets, and property owners?
Often yes. These classes frequently face contract requirements and higher-severity claim scenarios. Umbrella can be one of the most efficient ways to increase limits.
Still unsure? Talk to a human.
If you need help, call anytime — even in the middle of the night; if we’re able, we’ll answer.
Call/Text Anytime (412) 212-2800.
GET YOUR COMMERCIAL UMBRELLA QUOTE
Higher limits. Cleaner contracts. Faster turnaround.
Call or text anytime — even in the middle of the night. If we’re able to answer, we will.
Need help?
Call or text anytime — even in the middle of the night. If we’re able to answer, we will.
EXCESS & UMBRELLA
Commercial Umbrella & Excess Liability Insurance
Need higher limits fast? Umbrella (aka commercial excess liability) stacks above your General Liability, Auto, and Employers Liability so one major claim doesn’t cap your growth.
$1M
$2M
$5M
$10M
$20M+
Monoline & Follow-Form
Prefer paperwork first?
Download the Umbrella & Excess Supplement (PDF)
Coverage overview (what umbrella/excess usually sits over)
Most umbrellas are follow-form: if it’s excluded below, it’s usually excluded above unless endorsed.
GL
General Liability
Premises/Operations + Products/Completed Ops are the usual foundation.
AUTO
Commercial Auto
Auto exposure drives umbrella pricing—especially fleets and heavy auto.
EL
Employers Liability
Umbrella can sit above EL (not workers comp benefits).
+
Monoline or Attached
We place stand-alone umbrella (monoline) or attached/follow-form options.
Not sure if you need umbrella vs excess?
Tell us your required limit and the policies you already carry. We’ll map the cleanest structure and shop it.
Pricing basics + quick limit estimator
Carriers price umbrella/excess based on class of business, payroll/sales/units, fleet safety, loss history, and underlying limits/terms. The tool below is a rough illustration — not a quote.
Lower-hazard small business: $1M can start in the low four figures annually.
Higher-hazard / heavy auto: $5M–$10M often mid-four to five figures depending on exposure.
Layered towers: $20M+ is often built with multiple layers/carriers.
Want real numbers?
Send your GL/Auto/WC/EL dec pages + loss runs and we’ll move fast.
If you need help, call or text anytime — even in the middle of the night. If we’re able to answer, we will.
Selected limit
$5M
Illustrative only
Very rough illustration (not a quote)
$4,500 – $9,500 / yr
Actual pricing depends on class, auto exposure, underlying schedule, and loss history.
We’ll shop multiple carriers for you.
Ready to upload? Here’s what speeds this up
If you have these, we can usually cut straight to market and get terms back faster.
✓
ACORD apps + GL/Auto/WC/EL declarations pages
✓
Loss runs (typically 3–5 years)
✓
Requested limit ($1M–$20M+)
✓
Contracts / indemnity terms (if you have them)
Fast track your umbrella quote
If you need help, give us a call anytime — even in the middle of the night; if we are able, we’ll answer.
Call/Text Anytime (412) 212-2800.
Need a supplement? Use ours:
Umbrella & Excess Supplement (PDF)
FAQ (indexed — search it)
Type a keyword (examples: “cost”, “$5M”, “contract”, “follow form”, “excess vs umbrella”) and jump to what you need.
How much is a $1,000,000 commercial umbrella policy?
It varies by class, auto exposure, payroll/sales, underlying terms, and loss history. Many low-hazard businesses can start in the low four figures annually.
How much does commercial umbrella insurance cost?
Premium scales with limits ($2M, $5M, $10M, $20M+) and auto exposure. We typically shop multiple carriers to pin down best value for your risk profile.
What does umbrella insurance usually sit over?
Typically General Liability, Commercial Auto, and Employers Liability. Some carriers allow additional underlying schedules depending on class and form.
What does a commercial umbrella policy NOT cover?
Umbrella generally follows form. If it’s excluded on the underlying, it’s usually excluded above unless specifically endorsed. Details vary by carrier and wording.
What is commercial excess liability insurance?
Excess adds limits above underlying policies, often strictly follow-form. “Umbrella” is commonly used interchangeably, but can sometimes include limited enhancements depending on the form.
How much is a $5M umbrella for a business?
Often mid-four to five figures annually depending on class, auto exposure, underlying limits, and loss history. Many programs are built in layers at higher limits.
Do I need $10M or $20M+ limits?
If contracts/venues/owners require higher total limits, or your exposure includes higher-severity risks (heavy auto, premises with foot traffic, portfolios), higher limits can be a cost-efficient balance-sheet protector.
Is excess/umbrella worth it for contractors, fleets, and property owners?
Often yes. These classes frequently face contract requirements and higher-severity claim scenarios. Umbrella can be one of the most efficient ways to increase limits.
Still unsure? Talk to a human.
If you need help, call anytime — even in the middle of the night; if we’re able, we’ll answer.
Call/Text Anytime (412) 212-2800.
GET YOUR COMMERCIAL UMBRELLA QUOTE
Higher limits. Cleaner contracts. Faster turnaround.
Call or text anytime — even in the middle of the night. If we’re able to answer, we will.