Commercial Umbrella Insurance
Personal Umbrella vs. Commercial Umbrella for Contractors
Personal umbrella sits above your personal auto and homeowner’s insurance. Commercial umbrella sits above your business liability policies. Contractors need commercial umbrella — personal umbrella doesn’t cover business liability.
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What is the difference between personal and commercial umbrella insurance?
Personal umbrella extends personal liability protection — above your homeowner’s and personal auto policies. It covers you as an individual in personal situations. It does not extend over your business liability policies.
Commercial umbrella extends business liability protection — above GL, commercial auto, and employers liability. It covers your contracting business operations. This is what contractors need for business-related liability exposure.
Some contractors think their personal umbrella covers job site accidents or business vehicle accidents. It doesn’t. Business liability requires commercial umbrella. Personal umbrella only helps with personal (non-business) claims — falling trees, personal car accidents on the weekend, etc.
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Trade Safe shops dozens of A-rated carriers to find the right commercial umbrella policy for your contracting business.