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 coverageCommercial 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.
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