What does a commercial umbrella cover?

It adds excess liability limit above underlying policies like general liability and commercial auto. It generally does not sit over professional liability (E&O), which has its own limit.

Does an umbrella raise my E&O limit?

Usually not. Umbrellas typically sit over general liability and auto, not E&O. Higher E&O limits are handled within the E&O policy. We make that clear.

Why would a professional firm need an umbrella?

Most often because a client contract requires higher total limits than the base policies carry. We size it to the contract and confirm what it sits over.

Professional Services Commercial Umbrella

Commercial umbrella insurance for professional firms.

When a client contract requires higher limits than your underlying policies carry, or a claim could exceed them, a commercial umbrella adds excess limit over your general liability and other lines.

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A commercial umbrella adds excess liability limit above underlying policies such as general liability and commercial auto. For professional firms, it most often comes up when a client contract requires higher limits than the base policies provide. Note that umbrellas typically sit over general liability, not E&O, which carries its own limit.

Why firms add an umbrella

The most common reason a professional firm needs an umbrella is a client contract requiring higher total limits than the underlying general liability or auto policies carry. An umbrella is an efficient way to meet those higher requirements without raising every base policy, and it adds protection if a covered claim exceeds the underlying limit.

What it sits over

An important detail: a commercial umbrella generally sits over general liability, commercial auto, and similar liability policies, not over professional liability (E&O), which carries its own separate limit. Firms sometimes assume an umbrella raises their E&O limit; usually it does not. Higher E&O limits are handled within the E&O policy. We make that distinction clear.

Matching it to contracts

We size the umbrella to the limits your contracts actually require and confirm which underlying policies it sits over, so you meet the requirement without a false sense of coverage over E&O. Reading the contract against the program is the key step.

Commercial umbrella insurance for professional firms.

Why firms add an umbrella

What it sits over

Matching it to contracts

Common questions.

Is this coverage right on your policy?

Keep going.

General Liability

Professional Liability (E&O)

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Meet the higher limits contracts require.