Affordable Commercial Umbrella Insurance Quotes

Protecting your enterprise

What coverages can I get under Commercial Umbrella Insurance?

Commercial umbrella insurance provides an essential financial safety net by stepping in when your primary liability policies exhaust their limits.

General Liability Umbrella

Provides additional liability coverage beyond your standard general liability policy limits, protecting your business against multi-million dollar claims for property damage or bodily injury.

Commercial Auto Umbrella

Extends coverage limits for commercial vehicle accidents, providing critical extra protection when primary auto liability limits are exhausted by severe accidents or multi-vehicle collisions.

Employer's Liability Umbrella

Provides added protection for employer-related claims that exceed standard workers’ comp limits, including civil lawsuits for severe employee injuries or illnesses not fully covered by the main policy.

Professional Liability Umbrella

Provides added protection for professionals against massive claims of negligence, errors, or omissions that rapidly exceed a primary professional liability (E&O) policy's base limits.

Cyber Liability Umbrella

Extends your cyber liability protection with extra coverage for catastrophic data breaches, hacking incidents, and mass cyberattacks that result in liabilities well beyond your primary policy.

Directors and Officers (D&O)

Provides high-limit liability coverage for directors and officers of a company, protecting them from personal financial losses resulting from major claims of corporate mismanagement or misconduct.

Why Orbit

Why Orbit is the best choice for Commercial Umbrella?

Cost-Effective Limits

Buying umbrella insurance is the most cost-effective way to buy higher coverage limits. We shop across top-tier carriers to find the cheapest premium per million dollars of coverage.

Industry Expertise

We understand how umbrella policies "follow form" over your primary policies. We ensure there are no dangerous gaps between your base insurance and your umbrella coverage.

Any Credit Welcome

Whether you have perfect business credit or are currently rebuilding, we find flexible underwriting programs that allow you to properly protect your company's assets.

Fast Certificates (COIs)

Many large-scale commercial contracts require proof of a $2M to $5M umbrella policy. We generate these Certificates of Insurance (COIs) rapidly so you never miss a bid.

Talk to a commercial expert today

An Orbit commercial agent is ready to help you analyze your total liability exposure and build a protective financial umbrella over your enterprise.

Speak with an Expert

The basics

What is Commercial Umbrella Insurance?

Commercial umbrella insurance provides an essential extra layer of liability protection for your business. Rather than replacing your primary policies (like General Liability or Commercial Auto), it sits "on top" of them. It only activates when a massive claim or devastating lawsuit exhausts the financial limits of your underlying liability coverage.

For example, if a customer is severely injured on your premises and successfully sues your company for $3 million, but your general liability policy has a strict limit of $1 million, your business is directly responsible for the remaining $2 million. Without commercial umbrella insurance, that shortfall could bankrupt the company. With it, the umbrella policy steps in to cover the remaining balance, keeping your business running smoothly without financial strain.

Factors That Impact Your Rates

Business Size & Industry: Businesses in high-risk sectors (like construction, transportation, or manufacturing) face much higher exposure to catastrophic claims and will pay more for umbrella coverage than standard retail operations.
Underlying Policy Limits: Insurance carriers require you to carry certain minimum limits on your base policies (usually $1M or $2M) before they will write an umbrella policy over them.
Coverage Limits Needed: Umbrella policies are typically sold in increments of $1 million. A $5 million umbrella will cost significantly more than a $1 million umbrella.
Claims History: A history of frequent or severe liability claims indicates to underwriters that your primary limits are likely to be breached, driving up your umbrella premiums.

Good to know

Frequently asked questions & Requirements

Commercial umbrella insurance is not legally required by state or federal law. However, if your business bids on large commercial contracts, government projects, or leases prime commercial real estate, the contract will almost certainly mandate that you carry umbrella coverage (often $2M to $5M minimums) to protect all parties involved.

For low-risk small businesses, a commercial umbrella policy is highly affordable, often costing around $75 per month (or $900 per year) for an additional $1 million in coverage. However, companies with fleets of commercial vehicles or high-risk manual labor forces will pay significantly more.

Yes, business liability insurance premiums—including commercial umbrella premiums—are generally fully tax-deductible as an ordinary and necessary business expense. We recommend consulting a licensed tax professional to ensure accurate reporting.

No, you do not. While bundling it with your primary general liability or commercial auto provider often yields the best discounts, you can purchase an umbrella policy from a completely different carrier, provided your underlying policies meet that carrier's minimum limit requirements.

To generate an accurate commercial umbrella quote, we will need:

Current Policies: The declaration pages of all your underlying policies (General Liability, Commercial Auto, Employer's Liability) to verify current limits.
Business Info: Legal structure, physical locations, and a detailed breakdown of your industry operations and risks.
Financials: Estimated gross annual revenue and total number of employees.
Claims History: Comprehensive loss runs detailing any previous commercial liability claims or lawsuits.

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