Commercial Excess & Umbrella Insurance
Additional liability limits layered above your underlying commercial policies — often required by larger clients and contracts before they'll sign. We layer excess coverage for businesses across Williamson, Travis, and Burnet counties.
Excess/umbrella at a glance
- Additional limits above GL, auto & employers liability
- Drop-down coverage in some cases
- Often required for larger contracts
- Cost-effective way to raise total limits
No spam, no obligation — a licensed Texas agent follows up directly.
A second layer above your primary commercial policies
Excess and umbrella policies sit above your existing coverage and respond once those limits are exhausted.
Additional Liability Limits
Extra limits above your general liability, commercial auto, and employers liability policies.
Drop-Down Coverage
In some policies, coverage that fills specific gaps in your underlying policies, not just adds height.
Contract Compliance
Helps meet the higher liability limits larger clients or general contractors often require before signing.
Multi-Policy Umbrella
Coverage that can sit above several underlying commercial policies at once.
Cost-Effective Limits
Often a more affordable way to raise your total available limits than increasing each underlying policy.
Claims Support
Coordination with your underlying carriers if a large claim reaches into excess layers.
Higher limits without renegotiating every underlying policy
Independent, not captive
We shop your risk across multiple commercial carriers instead of steering you toward one company's appetite.
We know hard-to-place accounts
Contractors, restaurants, manufacturers, and other specialty risks are markets we work in regularly, not occasionally.
One point of contact
Certificates of insurance, renewals, and midterm changes go through your agent directly, not a support queue.
For growing businesses taking on bigger contracts
As Central Texas businesses grow and start working with larger clients or general contractors, $1 million in general liability often isn't enough to meet contract requirements. Excess and umbrella coverage is usually the most efficient way to get there.
Excess & umbrella insurance questions
How much excess coverage do I actually need?
It's often driven by contract requirements from your clients or general contractors — many ask for $1-5 million in total limits. We'll help you figure out what's actually being requested and quote accordingly.
What underlying policies does a commercial umbrella sit above?
Typically general liability, commercial auto, and employers liability, though the specific requirements vary by carrier. We'll confirm what needs to be in place first.
Does it cover professional liability too?
Not usually — commercial umbrella policies generally sit above general liability, auto, and employers liability, not errors & omissions. That's a separate excess conversation if you need higher professional liability limits.
Is excess/umbrella coverage expensive relative to the limits it adds?
It's often surprisingly cost-effective compared to raising your primary policy limits, since it's layered coverage rather than a first-dollar policy.
Ready to raise your liability limits?
Tell us about your business and current coverage and we'll quote your excess layer.