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.
Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.
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.
Common questions.
What does a contractor umbrella cover?
Why do my contracts require an umbrella?
Does the umbrella follow my underlying exclusions?
How much umbrella do I need?
Do your limits reach what your contracts require?
Contract limit requirements and the underlying alignment are where umbrellas go wrong. We check both.
Raise the ceiling to meet the job.
Tell us about your contracts and we will set umbrella limits that satisfy them and protect the business.