The excess limits a jobsite and a contract demand.
Contractors face serious liability on every job, and the contracts they sign often require high limits that the primary policy alone does not carry. A commercial umbrella stacks excess limits over your general liability and commercial auto to meet both the contract and the real risk.
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Why contractors need real limits
Jobsite injuries, property damage, and completed-operations claims can be severe, and a single serious claim can exceed a standard general liability limit quickly. On top of the real risk, general contractors, developers, and public projects routinely require subcontractors to carry umbrella limits as a condition of the contract. The umbrella meets both pressures: it protects the business and it satisfies the requirement that gets you the work.
How it stacks
The umbrella sits over your general liability, commercial auto, and employers liability, paying above them when a claim exceeds the underlying limit. Carriers require those underlying policies to carry stated minimums, and contracts may dictate specific umbrella limits and additional insured status that must flow up through the umbrella. We make sure the layers and the endorsements line up with what your contracts demand.
Meeting the contract without the gap
The trap is agreeing to a contract's insurance requirements that the program does not actually deliver, a limit that is too low, or additional insured status that does not extend to the umbrella layer. We read the requirement against your policies, set the umbrella limit to satisfy it, and confirm the endorsements carry through, so the certificate reflects coverage you actually have.
Common questions.
Why do my contracts require umbrella coverage?
What does a contractor umbrella sit over?
Will the umbrella meet additional insured requirements?
Does your umbrella satisfy what you have signed?
Contract limits and additional insured requirements have to flow through the umbrella. We check that your coverage actually meets the contract.
Meet the contract and the risk.
Send us the requirement and we will set umbrella limits that satisfy it and protect the business.