Commercial Umbrella Insurance
Does Umbrella Cover Bodily Injury Claims on a Job Site?
Yes — job site bodily injury claims that exhaust your GL limit are covered by commercial umbrella up to the umbrella limit.
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Does commercial umbrella cover bodily injury claims from a job site accident?
Job site injuries are one of the most common umbrella triggers for contractors. Serious falls, equipment accidents, or third-party injuries on active construction sites can generate claims far exceeding a $1M GL policy.
Your GL covers the first $1M. When a serious injury claim exceeds that, the umbrella activates. $1M GL + $2M umbrella = $3M total protection for any single job site bodily injury claim.
This is exactly why umbrella exists for contractors. The job site is an inherently dangerous environment. Having adequate total limits — including umbrella — is the difference between a manageable insurance claim and a personally devastating financial event.
Get umbrella coverage today.
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