Commercial Umbrella Insurance

Protect your business from major claims and lawsuits with Commercial Umbrella Insurance which delivers additional liability coverage above the limits of your General Liability or Commercial Package Policy.

Why Choose Builders Insurance Group as Your Commercial Umbrella Insurance Company?

With an umbrella policy from Builders Insurance Group, you’re not only getting a well-rounded, competitive product, you’re getting the peace-of-mind that comes from partnering with a company that’s financially secure and reliable. Plus, there’s the added convenience of having multiple policies with a single carrier – enhancing your ability to operate your business more efficiently and saving you costs in the long run.

Comprehensive Coverage at Competitive Rates

We offer comprehensive coverage tailored to your needs. You can expect competitive rates, flexible deductible options, and few exclusions.

Resolving Claims Effectively and Efficiently

Fast, friendly, and efficient claims management staff focused on getting your claim processed as quickly as possible.

AMBest-Rating-A-Excellent

Financial Stability

Builders Insurance Group is rated A ("Excellent") by A.M. Best Company, a leading independent insurance rating organization.

Business Umbrella Insurance Policy

What is a Commercial Umbrella Policy?

Commercial umbrella insurance provides extra coverage to help pay for costs that exceed certain liability policy limits so you don't have to pay out of pocket for liability claims that cost more than your coverage limits.

Start your commercial umbrella insurance quote today.

Find an Agent for Commercial Umbrella Insurance

We provide Commercial Umbrella insurance for businesses in the following states:

Answers to Frequently Asked Commercial Umbrella Insurance Questions

What does a commercial umbrella policy cover?

A commercial umbrella policy adds layers of protection, like an umbrella, to a commercial general liability policy in the event that the general liability policy does not cover the full amount of the loss or the loss itself is not covered. It “sits over” other liability policies including commercial auto and employer’s liability. Covered liabilities can include damage to third-party properties, persons, or even reputations resulting from your services or business operations.

How much does commercial umbrella insurance cost?

Umbrella insurance costs depend on your industry and factors like payrolls, sales, location, and more. Visit bldrs.com and request your free quote today. 

What is NOT covered by commercial umbrella insurance?

General liability is concerned with damages to third parties – that means damages to your own property is not covered. This would fall under property insurance. Umbrella policies may incorporate exclusions in the underlying primary policy or contain their own exclusions.

Does umbrella insurance cover workers injured on the job?

It may, but umbrella insurance is an add-on to your general liability insurance, which is concerned with injuries to third parties, while workers’ compensation covers injuries to your own employees (first-party injuries). However, if an employee chose to sue the company due to injury, an umbrella policy could cover lawyer and settlement fees, but not usually medical and rehabilitation costs.

Other Business Insurance Coverage

Builders Insurance Group provides other types of business insurance coverage.