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Commercial Umbrella Insurance

Umbrella Insurance Policy Options for Contractors

Throughout the Twin Cities Metropolitan area and Western Wisconsin

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What is Commercial Umbrella Insurance?

Commercial Umbrella Insurance is designed to provide additional liability coverage beyond the limits of your existing policies.

When your standard liability coverage is exhausted, an umbrella policy kicks in to cover the remaining costs.

Think of it as an essential safety net for your business.

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Why contractors need Commercial Umbrella Insurance

Contractors often face substantial risks and potential liabilities. Here’s why Commercial Umbrella Insurance is crucial:

  • Extended Liability Coverage: Increases your overall liability limits, providing extra protection for large claims.

  • Protection Against Large Claims: Safeguards your business from the financial impact of significant lawsuits and liability claims.

  • Complementary to Existing Policies: Works alongside your current liability policies, including General Liability, Commercial Auto, and Workers’ Compensation, enhancing your overall protection.

Benefits of Commercial Umbrella insurance:

  • Financial Security: Protects your business from severe financial loss due to large claims or lawsuits.

  • Peace of Mind: Focus on your projects with confidence, knowing you have an additional layer of liability coverage.

  • Enhanced Professional Reputation: Demonstrates to clients and partners that you are a responsible and well-protected contractor.

What's covered?

  • Additional Liability Coverage: Extends the limits of your primary liability policies, providing extra coverage where your standard policies end.

  • Coverage for Large Lawsuits: Protects against the financial burden of significant lawsuits that exceed your primary policy limits.

  • Protection for Multiple Policies: Offers supplementary coverage across various policies, including General Liability, Commercial Auto, and more.

Real Life Scenarios

Imagine you face a major lawsuit that exceeds the limits of your General Liability Insurance, or you encounter a significant auto accident involving multiple vehicles. In these scenarios, Commercial Umbrella Insurance ensures you’re covered for the additional costs, protecting your business from financial distress.

Here’s what some of our clients have to say:

“A massive lawsuit could have bankrupted us, but our Commercial Umbrella Insurance covered the excess, keeping our business afloat.”

“When an accident resulted in a claim that surpassed our auto insurance limits, the umbrella policy saved us from a financial nightmare.”

Get An "Apples to Apples" Insurance Quote


We verify current premiums, limits, coverages, deductibles, and declaration pages from all your commercial policies in just a few seconds.


We will reach out to you after we have verified your insurance to learn about your business needs and verify your current coverages.


We prepare your new insurance quote and present to you over the phone, in person or we'll email it to you. Your choice!


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