Commercial Umbrella Insurance
Can I Get Umbrella Insurance for a Single Project?
Yes — project-specific umbrella provides dedicated limits for a single project, protecting your annual umbrella aggregate from being depleted by one large project.
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Can contractors buy project-specific umbrella insurance?
Project-specific umbrella is priced and structured for a defined project — fixed location, fixed duration, fixed scope of work. When the project ends, coverage ends. It’s efficient for contractors who rarely encounter large projects requiring high umbrella limits.
When is it useful: when one project requires $5M umbrella but your annual policy is $2M; when you want to protect your annual aggregate from one large project; when a one-time high-risk project warrants dedicated limits without raising your annual premium permanently.
Trade Safe can source project-specific umbrella. Pricing is based on project value, duration, and trade type. For ongoing commercial work, annual umbrella is more cost-effective — for one-off large projects, project-specific is often the right tool.
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Trade Safe shops dozens of A-rated carriers to find the right commercial umbrella policy for your contracting business.