Commercial Umbrella · Virginia

Extra liability limits for when one claim isn’t enough.

A commercial umbrella sits above your general liability, business auto and employer’s liability policies and adds another layer of protection. Blue Ridge Insurance quotes umbrella coverage for Central Virginia businesses that need higher limits for contracts or peace of mind.

Get an Umbrella QuoteCall (434) 212-3300
The Basics

The cheapest way to add a million dollars of protection.

A serious auto accident or injury claim can exceed the limits on your underlying policies. When that happens, the umbrella pays the excess instead of your business. Raising each underlying policy separately usually costs more than one umbrella over all of them.

Umbrellas are also how many businesses meet contract requirements. If a general contractor or property manager asks for $2 million or $5 million in liability, an umbrella is usually the answer.

Policies an umbrella sits over

  • General liability
  • Business auto
  • Employer’s liability (from workers’ comp)
  • Liability within your BOP
How It Works

What to know about commercial umbrellas

Excess limits

Pays after an underlying policy’s limit is used up, typically in $1 million layers.

Contract compliance

Meets higher limits required by clients, landlords and general contractors.

Broader protection

Some umbrellas cover claims the underlying policies don’t, subject to a retention.

Underlying requirements

Carriers require minimum limits on your underlying policies before they’ll write it.

Defense costs

Legal defense is often included once the umbrella is triggered.

What it leaves out

Your own property and professional errors are not covered by an umbrella.

Get a Quote

Start your umbrella quote.

Tick Business Insurance in the form. We’ll review your underlying policies first so the layers fit together without gaps.

  • Underlying limits checked before we quote
  • Limits matched to your contracts
  • Certificates issued quickly
Common Questions

Commercial umbrella questions

What’s the difference between umbrella and excess liability?
Excess liability follows the terms of the underlying policy exactly. An umbrella may also cover some claims the underlying policies exclude. We’ll explain which one a carrier is offering.
Do I need my underlying policies with the same carrier?
Not always, but some carriers price better or only write the umbrella when they also write the underlying policies. We compare both ways.
How much umbrella coverage should I buy?
Start with what your contracts require, then look at your assets, fleet size and exposure to the public. Many small businesses carry $1 million to $5 million.

A contract asking for higher limits?

Send us the requirement and we’ll quote the umbrella to match.

Get a QuoteCall (434) 212-3300