Business Insurance
Commercial Umbrella
Excess liability limits above underlying commercial policies.
Overview
Understanding commercial umbrella
Commercial umbrella insurance provides additional liability limits above your underlying general liability, auto liability, and employers liability policies. It is often required by contracts and prudent for businesses with significant assets or public exposure.
Coverage Scope
What this coverage can help address
These are common areas programs may address. Specific terms depend on carrier forms, endorsements, and your operations.
- Excess general liability
- Excess auto liability
- Excess employers liability
- Drop-down coverage where underlying limits are exhausted
- Follow-form or umbrella-specific terms by carrier
Planning
Common coverage considerations
Factors that often influence limits, endorsements, and carrier selection.
Underlying policy limit and retention requirements
Self-insured retention on umbrella policies
Care, custody, and control exclusions
Alignment with contractually required total limits
Coverage availability and eligibility depend on carrier underwriting guidelines, state requirements, and individual risk details.
Fit
Ideal for
Organizations and individuals who commonly evaluate this line of coverage.
Businesses with contractual minimum liability requirements
Companies with substantial assets to protect
Operations with high public interaction or premises exposure
Organizations stacking limits across multiple underlying policies
Related
Other business insurance lines
Explore additional coverage areas within business insurance.
General Liability
Protection for third-party bodily injury, property damage, and advertising injury claims.
Learn moreCommercial Property
Coverage for buildings, equipment, inventory, and business personal property.
Learn moreWorkers Compensation
Statutory coverage for work-related employee injuries and occupational illnesses.
Learn moreDiscuss commercial umbrella with an advisor
Submit your information and a Northshore advisor will review your situation and outline appropriate next steps.
Submitting this form does not bind coverage, create a policy, or guarantee pricing. A licensed advisor will review your information and follow up directly.