Coverage
Commercial Umbrella Insurance
One more layer between you and a bad day.
Business umbrella insurance sits over your general liability, auto, and workers' comp policies to catch claims that exceed the underlying limits. Written from $1M up to $10M+ for contractors, fleets, and small businesses.
What it covers
What's in the policy.
- Excess general liability
- Excess commercial auto liability
- Excess employer's liability (workers' comp)
- Broader defense in some cases
Why Allied
How we write it.
- Limits from $1M to $10M+
- Sits over GL, auto, and employer's liability
- Extra defense costs above the underlying limit
- Required by many contract awards and landlords
- Priced against your loss history, not a rate table
FAQ
Common questions.
How much umbrella do I need?
Start with your biggest exposure — a fleet accident, a fall on your property, a completed-work claim — and work up from there. Most small businesses land at $1M to $2M; contractors bidding public work often need $5M.
Does umbrella cover professional liability?
Usually no. Umbrella follows the underlying policies it schedules; professional and cyber exposures need their own coverage.
Local coverage
Commercial Umbrella insurance across Texas.
We write commercial umbrella coverage in every city we serve. Pick your metro for a local page with more detail on how we place it there.
Get a real quote
Ready for a quote?
Tell us about your risk. We'll come back with real numbers from carriers who actually write your business.