Commercial Umbrella Insurance
Do Contractors Need Commercial Umbrella Insurance?
Not legally required, but practically essential for any contractor doing commercial work, driving vehicles, employing workers, or taking on projects where a single serious claim could exceed primary limits.
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Do contractors need commercial umbrella insurance?
A $1M general liability policy sounds like a lot until a serious job site injury generates a $2.5M claim. Without umbrella, you’re personally responsible for $1.5M. With a $2M umbrella, you’re fully covered.
Umbrella is especially important if you: work on commercial projects where contracts require it, drive vehicles for work, employ workers with significant injury exposure, or take on large projects where a single bad outcome could be financially catastrophic.
At $500–$1,500/year for $1M in coverage, commercial umbrella is one of the best insurance values available to contractors. The premium is small; the protection is enormous.
Get umbrella coverage today.
Trade Safe shops dozens of A-rated carriers to find the right commercial umbrella policy for your contracting business.