Commercial Umbrella
Definition. Commercial Umbrella sits ABOVE General Liability + Commercial Auto + Employers Liability (WC Part B) — providing extra catastrophic-claim layer above underlying policy limits.
Also known as: Excess Liability, Commercial Excess, Umbrella Liability
Typical layer sizes $1M-$25M. Most umbrellas "follow form" (adopt underlying policy terms); True Umbrella variants include selective drop-down for niche exposures. Cost ranges $300-$1,500 per $1M layer for low-risk; $2,500-$8,000+ for high-risk trades.
Example
A customer wins a $4M slip-and-fall judgment. GL pays the first $1M; Umbrella pays the remaining $3M.
Sources cited
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📘 Educational content only.
Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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