An extra layer of protection above your primary policies

Umbrella & Excess Liability Insurance

Commercial Umbrella insurance adds a layer of liability coverage above your underlying GL, Commercial Auto, and Employers Liability policies. When a claim exceeds your primary limits, the umbrella activates — protecting you from the kind of catastrophic, business-ending verdicts that primary policies alone cannot absorb.

Get a quoteCall (623) 873-1234

At a glance

Umbrella / Excess

Reviewed by a
licensed agent
Available Limits
$1M to $25M+ (in $1M increments)
Underlying Requirements
GL, Commercial Auto, Employers Liability
Cost
Very affordable relative to added protection
Policy Type
Follow-form (mirrors underlying policy terms)

Watch for: It only sits on top of what's underneath. Check the schedule.

The policy

What it covers, and who it's for.

The short version. What a policy actually covers is in its forms and endorsements, and we read those with you before you buy.

What it covers05

  • Liability claims that exceed your primary policy limits
  • Follows the same coverage as your underlying policies (follow-form)
  • Legal defense costs above primary policy exhaustion
  • Worldwide coverage for most incidents
  • Some umbrella policies drop down to fill gaps in underlying coverage

Who needs it05

  • Businesses with significant assets to protect
  • Companies with high public exposure — venues, events, transportation
  • Contractors on large projects where contracts require higher limits
  • Businesses required by contract to carry $2M+ in liability coverage
  • Any business concerned about multi-million-dollar jury verdicts

Questions

About umbrella / excess, answered plainly.

Don't see yours? Call (623) 873-1234 or write to service@commercialy.com.

Often paired with

What usually goes alongside it.

  1. 01

    General Liability

    Core protection every business needs
  2. 02

    Commercial Auto

    Coverage for vehicles used in your business
  3. 03

    Workers' Comp

    Required for employers in nearly every state

Talk to a licensed agent, not a phone tree.

Tell us what you're insuring and we'll come back with umbrella / excess options from more than one carrier, explained in plain English.

Call the office Se habla español

(623) 873-1234
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