Commercial Umbrella Insurance
What Is a Layered Umbrella Structure for Contractors?
A layered program stacks multiple umbrella/excess policies to achieve high total limits — $10M, $25M, or more — that no single carrier would provide at affordable rates.
Call (234) 231-8427 — Mon–Fri 9AM–5PM EST
What is a layered umbrella or excess liability program?
Example: $1M primary GL, $5M first-layer umbrella, $5M second-layer excess. Total GL protection: $11M. Each layer is a separate policy from potentially different carriers.
Layered programs are common for large GCs, construction managers, and contractors on major commercial or public projects. A hospital or airport project may require $10M–$25M total liability coverage — achievable only through layered programs.
Trade Safe has access to specialty excess and surplus (E&S) markets that provide high layers. Contact us for a layered program quote if your project or business requires total liability limits above $5M.
Get umbrella coverage today.
Trade Safe shops dozens of A-rated carriers to find the right commercial umbrella policy for your contracting business.