Who typically needs this
- Businesses with contractual higher-limit requirements
- Companies with significant assets or higher-severity exposures
Business
Commercial Umbrella
Commercial umbrella or excess liability can provide higher limits above general liability, auto, or employers liability. Coverivo helps businesses evaluate whether extra limits are needed for contracts or asset protection.
Common coverages
- Excess limits over scheduled underlying policies
- Broader coverage in some umbrella forms, subject to terms
Things to consider
- Underlying policy limits usually must meet carrier requirements
- Not every primary policy drops into an umbrella the same way
Questions people ask
Is commercial umbrella the same as general liability?
No. Umbrella typically sits above primary policies and increases available limits after those policies respond.
Coverivo is an independent insurance broker, not an insurance carrier. Coverivo is staffed by licensed insurance professionals who help you evaluate and request coverage from applicable markets. We do not underwrite or issue insurance policies. Insurance products and availability vary by state and insurance company. Coverage is subject to underwriting, eligibility requirements, policy terms, exclusions, and carrier approval.