Commercial Insurance · Texas
Commercial Umbrella Insurance in Texas
A commercial umbrella adds liability limits above your general liability, commercial auto and employer's liability policies, protecting your business from large claims.
4.9 out of 5 starsGoogle reviews →What's covered
Commercial Umbrella coverage options
Extra liability limits
Typically $1 million or more above your underlying policies.
Contract requirements
Meets higher limits some clients require.
Lawsuit protection
Helps protect business assets from severe claims.
A serious auto accident or injury claim can exceed the limits of your primary policies. When that happens, your business is responsible for the difference. A commercial umbrella sits on top of your underlying policies and pays once their limits are exhausted.
Umbrellas are also often the most cost-effective way to meet contracts that require higher liability limits, such as $5 million for certain construction or transportation jobs.
Who we insure
- Contractors
- Trucking
- Hotels
- Property owners
- Growing businesses
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Reference
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FAQ
Commercial Umbrella insurance FAQ
How much umbrella coverage does my business need?
It depends on your assets, contracts and exposures. Many businesses start at $1 million to $5 million.
What's the difference between umbrella and excess liability?
An umbrella can sometimes broaden coverage, while excess liability follows the terms of the underlying policy exactly. We'll explain which applies to your quote.