Commercial Umbrella Insurance – Extra Liability Protection for Your Business
When Primary Coverage Isn’t Enough
Large claims can exceed standard limits. A commercial umbrella adds extra liability above
General Liability Insurance,
Commercial Auto Insurance, and employers liability. Head Insurance Agency helps Fox Valley companies meet contract requirements and prepare for high-severity losses—affordably—so a single incident doesn’t derail growth.
How Umbrella Policies Work
Umbrellas are purchased in $1M layers and sit excess over scheduled underlying policies. A $2M umbrella on top of $1M GL and auto gives you $3M total available for covered claims. We confirm underlying minimums, align aggregates, and coordinate with additional insured and waiver endorsements common in Fox Valley contracts.
Who Benefits From Higher Limits
Public-facing operations, contractors on large jobs, fleets on busy corridors, hospitality venues, and manufacturers with products exposure all gain from added capacity. Even smaller businesses appreciate the cost-to-limit value of an umbrella—especially when vendors and landlords require evidence of higher limits.
Commercial Umbrella Questions, Answered
Does an umbrella cover professional or D&O claims?
Not typically; those need their own excess forms.
What underlying limits are required?
Commonly $1M GL and auto; we’ll verify carrier specifics.
How much should I buy?
We’ll review contracts, assets, and risk profile to size limits appropriately.