Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
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Commercial Umbrella
Excess liability above your general liability, auto and employer liability limits.
What this cover does
A commercial umbrella raises the ceiling on the liability policies you already hold. It is often bought because a contract demands a limit higher than your primary cover, and it is almost always cheaper than raising the primary limits to match.
Typically included
- Excess limits above general liability
- Excess above commercial auto liability
- Excess above employer liability under workers compensation
- Defence costs, generally outside the limit
- Some claims excluded by the underlying policies, on true umbrella forms
Common add-ons
- Limits in one-million steps
- Follow-form wording matching the underlying cover
- Additional insured status extending to the umbrella layer
- Multiple excess layers for large contract requirements
Questions
What people ask about commercial umbrella
Umbrella or excess?
An excess policy simply adds limit on the same terms. A true umbrella can also cover some claims the underlying policy excludes. The wording differs by carrier and we compare it rather than assuming.
Our contract needs five million. What is cheapest?
Usually a primary at one million with a four-million umbrella over it, rather than a five-million primary. We price both so you can see the difference.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Commercial Umbrella
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.