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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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.
Common questions.
What does a commercial umbrella cover?
Does an umbrella raise my E&O limit?
Why would a professional firm need an umbrella?
Is this coverage right on your policy?
Tell us your services, clients, and the data you handle and we will check this coverage against how your firm operates. Educational, no obligation.
Meet the higher limits contracts require.
Tell us about your contract limit requirements and we will size an umbrella correctly.