Commercial Umbrella Insurance
Does Commercial Umbrella Cover Auto Accidents?
Yes — commercial umbrella extends over commercial auto liability. When an auto accident generates claims exceeding your commercial auto limit, the umbrella pays the excess.
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Does commercial umbrella insurance cover auto accidents for contractors?
Auto accidents are one of the most common umbrella triggers for contractors. A serious multi-vehicle accident, a pedestrian injury, or a commercial truck accident can easily generate claims of $2M or more.
Your commercial auto policy covers the first $1M (or whatever your CSL limit is). The umbrella steps in for everything above that limit, up to the umbrella limit. $1M auto + $2M umbrella = $3M total auto liability protection.
Umbrella also extends over hired and non-owned auto (HNOA) coverage if your commercial auto policy includes it. Employee personal vehicle use covered by HNOA has umbrella protection above the HNOA limit.
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