Commercial Umbrella Insurance Extra Limits When You Need Them

When a contract calls for more coverage than your general liability or auto provides, an umbrella adds limits on top — often the difference between winning a big project and losing it.

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Why it matters

Why contractors add umbrella coverage

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Higher limits

Adds coverage above your GL, auto, and employer's liability.

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Win bigger projects

Many large or public projects require $2M+ in coverage.

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Cost-effective

Extra millions in limit for a fraction of the base cost.

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Peace of mind

Protection against a catastrophic claim.

Included with your policy

Issue your own certificates — right from your phone

Insure with us and you get our certificate app. No waiting on office hours, no phone tag — when a GC or customer needs a COI, you send it on the spot.

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Issue & print COIs anytimeGenerate a certificate 24/7, even on the jobsite.
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Add additional insureds yourselfList a GC or property manager without calling in.
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Email certificates directlySend proof straight to your customer or contractor.
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Answers

Frequently asked questions

What is commercial umbrella insurance?+

It's extra liability coverage that sits on top of your underlying policies (general liability, commercial auto, employer's liability) and pays once those limits are exhausted.

How much umbrella coverage do I need?+

It depends on your contracts and exposure. Larger and public projects often require $2M–$5M. We'll match your limits to requirements.

Does umbrella cover everything?+

No — it extends your underlying policies. The underlying coverage has to exist for the umbrella to apply. We'll structure both.

Can I get an umbrella quickly?+

Yes — we can often add it alongside your other coverage. Request a quote.

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