Coverage
Commercial Umbrella Insurance for Texas Businesses
A commercial umbrella policy adds extra liability limits on top of your general liability, commercial auto, and employer liability coverage. When a serious claim exceeds your underlying limits, the umbrella keeps a single lawsuit from threatening your business.
What Commercial Umbrella Covers
- Additional limits above general liability
- Additional limits above commercial auto liability
- Additional limits above employer liability
- Legal defense costs for large claims
- Higher limits often required by contracts
Who Needs It
Businesses with vehicles, employees, or significant public exposure, and any Texas business whose contracts require higher liability limits.
Common Claims
Large auto claim
A severe accident exceeds your commercial auto limit and the umbrella covers the rest.
Major liability suit
A catastrophic injury claim surpasses your general liability limit.
Contract requirement
A client requires higher limits than your primary policies provide.
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Coverage That Pairs Well
View all coverageIndustries That Rely on Commercial Umbrella
See how commercial umbrella fits into a full program for these Texas industries.
Commercial Umbrella Across Texas
We write commercial umbrella for businesses in these Texas markets and beyond.
Commercial Umbrella Insurance FAQs
It provides additional liability limits above your general liability, commercial auto, and employer liability policies, responding when a large claim exceeds those underlying limits.
It depends on your assets, exposure, and contract requirements. Limits commonly start at $1 million and increase in million-dollar layers. We help you right-size your coverage.
No. An umbrella extends specific underlying liability policies. It does not cover property, professional liability, or claims excluded by the underlying policy.
A $1 million umbrella often costs a few hundred to a couple thousand dollars per year depending on your underlying exposure. We shop carriers to find competitive pricing.
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