Umbrella Insurance

When contractors need to extend their insurance protection, umbrella insurance is an affordable solution. Maybe you’re working on a new project and the contact requires you to carry a higher general liability limit. Or perhaps you want to ensure that you’re covered against the possibility of a high-dollar incident or claim. Either way, umbrella insurance is an easy solution to help you get the most out of your contractor insurance protection.

Umbrella & Excess insurance is designed to protect business owners against those multi-million dollar losses no company ever wants to have. Once your business is protected by the basic types of insurance coverages (like commercial auto and general liability insurance), you may want to consider an umbrella policy for extended coverage. An umbrella policy would provide additional coverage once the limits of the underlying policies have been exhausted.

Umbrella Insurance

Umbrella insurance can increase the coverage limits across multiple insurance policies for one affordable premium. Whether you need extra coverage or just want to be prepared against the possibility of a claim exceeding the underlying policy limit, umbrella insurance has you covered.

Umbrella insurance can extend the protection of your existing coverage, fortifying your protection against:

  • General liability claims
  • Commercial auto claims
  • Employer’s liability (workers’ comp) claims

Program Highlights

  • A+ VX Rated carriers
  • Over 35 Eligible Contracting Classes (Excess Only)
  • Other Commercial Classes Start at $750 Minimum Premium
  • Over 100 Non-Contracting Commercial Classes Available!
  • Limits from $1 Million to $5 Million Available

If a claim exceeds your underlying policy limit, you may be forced to pay the difference yourself. Could your construction business weather a $1M difference between a costly claim and your existing policy limit? With umbrella coverage, you don’t have to worry about a big incident depleting your business assets.

Although it is not absolutely necessary, having the same insurance company providing the basic coverage and the umbrella will avoid potential coverage gaps and claim handling problems in the future.

Umbrella insurance is sold in $1 million dollar increments, so you can extend the limits of your existing policies until you’re comfortable with your newly increased coverage. But the policy premiums for umbrella insurance are surprisingly affordable. Don’t leave the health and security of your business to chance; extend your contractor insurance coverage and fortify your defense with umbrella insurance.

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