When a major claim exceeds your primary policy limits, a commercial umbrella picks up where your other policies leave off. It's affordable extra protection that could save your business.
Commercial umbrella insurance provides additional liability coverage above your existing GL, auto, and employer's liability limits.
Kicks in when your underlying GL, auto, or employer's liability limits are exhausted.
Some umbrella policies cover claims that your underlying policies exclude.
One umbrella policy extends limits across your GL, commercial auto, and employer's liability.
Covers additional legal defense costs once underlying policy defense limits are used up.
Provides the financial cushion for worst-case scenarios — multi-million dollar lawsuits.
Helps you meet higher liability limits required by clients, landlords, and contracts.
Any business facing the possibility of a large liability claim should consider umbrella coverage. It's surprisingly affordable for the protection it provides.
A $1M umbrella policy typically costs $300–$1,500/year for most Utah businesses. That's some of the cheapest liability protection you can buy.
Only after your underlying policy limits are exhausted. If you have $1M in GL and a $2M claim, your GL pays the first $1M and the umbrella pays the rest.
Not necessarily, but some carriers prefer it. As an independent agency, we can structure your program across multiple carriers for the best overall pricing.
They're similar but not identical. Umbrella policies often provide broader coverage than strict excess liability. We'll explain the differences for your specific situation.
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