Commercial Umbrella Insurance

Commercial umbrella liability insurance is an important source of protection that supplements the limits of an insured’s underlying policies such as general liability, automobile liability, and employers liability. An umbrella policy coverage comes into play, when the limits of the underlying insurance have been exhausted.

A typical commercial umbrella liability policy offers features such as worldwide coverage; personal injury coverage; blanket contractual liability protection (for both written and oral agreements); care, custody, and control coverage; non-owned aircraft liability; watercraft liability; advertisers liability; liquor law liability; XCU liability; and an extension of protection to additional insured.

Excess Liability Insurance for Contractors, Builders & Other Construction Professionals

When an umbrella policy does not give you enough coverage to comply with a contract requirement, an Excess Liability Insurance policy needs to be purchased.