What does a contractor umbrella cover?

Excess liability over your general liability, commercial auto, and employers liability. When a covered claim exceeds the underlying limit, the umbrella continues paying up to its limit.

Why do my contracts require an umbrella?

GCs, owners, and public projects often require high liability limits as a condition of the work. An umbrella is usually the practical way to reach them.

Does the umbrella follow my underlying exclusions?

Often, yes, an umbrella generally follows the form of the underlying policy, so an exclusion below can follow up. We check the follow-form terms.

How much umbrella do I need?

Enough to meet your contracts and protect your assets, commonly one to five million for contractors. We size it to the work you bid.

Contractor Umbrella Insurance - Vantage Point Risk

The higher limits your contracts demand.

Larger jobs and contracts routinely require liability limits above what a standard policy carries. A contractor umbrella stacks excess limits over your general liability, auto, and employers liability, so you can meet the requirement and protect the business from a serious claim.

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A contractor umbrella provides excess liability limits over your underlying general liability, commercial auto, and employers liability. It is frequently the practical way to meet contract limit requirements and to protect against a jobsite or auto claim that exceeds the primary policy.

Why contractors need an umbrella

Two forces drive it. Real risk: a serious jobsite injury or an at-fault auto accident can produce a claim well beyond a standard limit. And contracts: GCs, owners, and public projects often require umbrella limits of one, two, or five million as a condition of the work. The umbrella meets both, and getting the limit and the underlying coverage aligned is the job.

How it stacks and follows form

The umbrella sits over your general liability, auto, and employers liability, paying above them when a claim exceeds the underlying limit. Carriers require those underlying policies to carry stated minimums, and the umbrella generally follows the form of the underlying coverage, which means an exclusion below can follow up. We confirm the layers and the follow-form terms line up.

How we handle it

We size the umbrella to your contracts and your exposure, confirm the underlying limits meet the umbrella's requirements, and make sure it sits over the right policies, including auto and employers liability. We keep the layers aligned as your contracts and limits change.

The higher limits your contracts demand.

Why contractors need an umbrella

How it stacks and follows form

How we handle it

Common questions.

Do your limits reach what your contracts require?

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General Liability

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Raise the ceiling to meet the job.