Commercial Umbrella Insurance
What Is Commercial Umbrella Insurance for Contractors?
Commercial umbrella insurance adds liability coverage above your primary policies — GL, commercial auto, and employers liability — paying claims that exceed your underlying limits.
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What is commercial umbrella insurance?
Think of umbrella as a safety net over your entire liability program. Your primary policies handle the first layer of claims up to their limits. When a claim is large enough to exhaust a primary policy, the umbrella steps in and covers the excess.
One umbrella policy covers multiple underlying policies simultaneously. A $2M umbrella extends over your $1M GL, $1M commercial auto, and $500K employers liability — providing more total protection for each at a combined cost lower than raising each underlying limit individually.
Umbrella is not professional liability, workers comp, or property insurance. It’s additional liability protection — the extra layer that protects you from catastrophic claims that your primary policies aren’t large enough to cover alone.
Get umbrella coverage today.
Trade Safe shops dozens of A-rated carriers to find the right commercial umbrella policy for your contracting business.