Commercial Umbrella Insurance

Enhance Your Coverage with Commercial Umbrella Insurance

Extra liability protection when primary policy limits aren’t enough

Commercial Umbrella Policies for Added Peace of Mind

A Commercial Umbrella policy provides an extra layer of liability protection above your primary policies—such as general liability, commercial auto, and employer’s liability. At Peterman Insurance Services, we’ll assess your risk profile and recommend umbrella limits to safeguard your assets and future earnings in the event of a major claim.

Excess Liability Limits

Automatically responds when your underlying policy limits are exhausted, protecting you from catastrophic losses.

Broad Coverage Triggers
Covers a wide range of liability exposures—including bodily injury, property damage, and certain personal or advertising injury claims.

Affordable Protection

Adds millions in coverage for a relatively small premium—helping you manage risk without a significant cost increase.

Your commercial umbrella insurance Questions, Answered

Get concise answers to common Commercial Umbrella Insurance questions—so you understand how to layer coverage and protect your business beyond standard policy limits.

It’s an excess liability policy that steps in to cover costs that exceed the limits of your primary liability policies, giving you additional protection against large claims.

Commercial Umbrella typically sits above general liability, commercial auto, employer’s liability (workers’ comp), and professional liability—subject to insurer guidelines.

Yes—once you’ve paid your primary policy deductible and the base limits are exhausted, the umbrella policy responds without requiring a separate claim form.

In some cases, yes—stacking can provide even higher aggregate limits. We’ll review your needs to determine if multiple layers are beneficial.

Insurers consider your underlying policy limits, industry classification, revenue, claims history, and desired umbrella limit to calculate your rate.

Yes—insurers typically require you to carry specified minimum limits on your primary policies (e.g., $1M/$2M general liability) before umbrella coverage applies.