Commercial Umbrella and Excess Policies
Protect your business the limits of general liability and commercial package policies with an additional layer of liability coverage provided by commercial umbrella policies.
Reach out to us about any coverage gaps you need to fill.
What Does Commercial
Umbrella and Excess Insurance Cover?
A commercial umbrella and excess insurance policy extends your safety net with extra protection. Our policy seamlessly integrates with your existing coverage, protecting your business from extensive liabilities beyond standard limits, including third-party damages and reputational harm.
Broaden Your Coverage Scope
Our commercial umbrella and excess insurance increases your liability coverage limits. Whether it's settlements or property damage, we've got you covered.
Achieve Protection Across Policies
Commercial umbrella and excess policies seamlessly integrate with multiple underlying policies such as general liability, commercial auto, and employer's liability. This cohesive approach simplifies your protection strategy, offering peace of mind through additional policy limits.
Extend Your Liability Limits
Beyond the coverage limits of your existing policies, Builders’ commercial umbrella and excess insurance provides an additional layer of security. It activates when claims exceed your primary policy's limits, shielding your business from significant financial impacts.
Protect Against Threats to Your Reputation
In addition to financial protection, our commercial umbrella and excess insurance plays a crucial role in preparing for actions against your business’s reputation during and after a claim, handling claims so you can fulfill your commitments with continued integrity.
Non-Admitted Products
Non-admitted commercial umbrella insurance products streamline the path to flexible coverage for unique or intricate insurance needs. These offerings provide relevant solutions without compromising on reliability.
Find Your Local Agent
Builders partners with local agents across the nation who can listen to your needs to craft right-fit policies for your business. Find your local agent today!
What Is Insurance Built Strong® With Builders?
Discover workers’ compensation built strong. Our holistic approach to coverage extends across the timeline of a workplace injury by encouraging proactive accident prevention, delivering excellent claims service, and realizing expert medical care for long-term recovery.
Claims Excellence
Experience a hassle-free claims process with our dedicated team, letting you focus on your business. Our claims managers hold an average of 28 years of tenure, meaning that the helpful voice on the phone brings deep experience and understanding to your claim.
World-Class Medical Management and Treatment
Our devoted on-staff nurses work alongside doctors and medical providers to optimize treatment plans and ensure an effective lineup of surgery, physical therapy, and care for injured workers in an ironclad partnership with stand-out providers and rehabilitation experts.
Better Rehabilitation Outcomes
Through excellence in medical care, we accelerate employee recovery. Our coverage includes rehabilitation costs and lost wages, helping employees recuperate and return to work and their daily lives.
Financial Stability
Trust in Builders’ solid foundation. Our A ("Excellent") rating from A.M. Best reflects our strong financial health and steadfast commitment to our clients. Our financial strength empowers us to fulfill our obligations to our policyholders and provide the proper medical care each claim deserves.
Peace of Mind in High-Risk Industries
Especially crucial in hazardous industries, our workers' compensation and construction expertise give you peace of mind to know you’re prepared for the unexpected and your employees are protected in the case of serious – or even catastrophic – injuries.
Frequently Asked Questions
Find Out More About Commercial Umbrella and Excess Insurance
See how Builders insurance solutions can offer additional peace of mind with our commercial umbrella and excess insurance.
A commercial umbrella and excess policy provides increased limits when existing liability policies (like general liability) reach their limits. It covers third-party injuries, property damage, and lawsuits that exceed primary policy limits, offering an essential safety net for businesses.
Find The Right Insurance
For Your Needs
With over 30 years of serving the construction industry, Builders has expanded its expertise beyond construction, offering tailored insurance solutions across varied sectors.