When thecontractwants morethan $1M.
When a contract calls for more than your general liability or auto provides, an umbrella stacks limits on top. It's often the difference between winning the big project and losing it.
The bid says $5 million. Your GL says $1 million. An umbrella closes that gap for a fraction of what the base policy costs, and it sits over your auto and employer liability at the same time.
Why contractors add umbrella coverage.
Adds coverage above your GL, auto and employer's liability.
Many large or public projects require $2M or more in coverage.
Extra millions in limit for a fraction of the base cost.
Covers the one claim that would otherwise end the business.
Texas umbrella insurance: what to know
Texas umbrella insurance for contractors sits over your general liability, commercial auto and employer's liability and pays once those limits run out. Public projects, school districts and large GCs in Texas routinely require $2M to $5M in total limits, which is cheaper to reach with an umbrella than by raising every underlying policy. The umbrella follows the underlying coverage, so we structure both at the same time and make sure the certificate shows the combined limit the contract asks for.
How we quote umbrella insurance in Texas: you give us your name, phone and trade, and the details you have on revenue, payroll and any certificate deadline. We send that to the carriers that actually want your class of work, pull the options into one side-by-side summary, and call you with the number. If a GC or city needs the certificate the same day, say so on the form and we work to that deadline. At renewal we take the policy back to market instead of auto-renewing it.
Source: Texas Department of Insurance.
Texas umbrella insurance questions we get every week.
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 to $5M. We match your limits to the requirement.
Does umbrella cover everything?
No. It extends your underlying policies, so the underlying coverage has to exist for the umbrella to apply. We structure both.
Can I get an umbrella quickly?
Yes. We can usually add it alongside your other coverage.
Will the umbrella show on my certificate of insurance?
Yes. The certificate lists the umbrella limit alongside your general liability and auto, which is what a GC or project owner checks when a contract requires $2M or more.
Get a quote before the job starts.
Name and phone is enough to start. Add the details if you have them and the quote comes back faster.
(951) 800-4287