For a business the drivers are different from a personal umbrella. Three things usually set the working range. What your contracts and leases require, since many name a specific limit and that becomes a floor. The underlying limits the umbrella has to sit above, typically general liability, commercial auto, and employer’s liability, each of which has to meet the insurer’s minimum before the umbrella attaches. And the severity pattern in your industry, since exposure in a business with vehicles, work at height, or the public on site behaves differently from an office. Contract requirements are the most common reason a limit changes, so if you are signing something, send us the insurance requirements page and we will tell you what it obliges you to carry.
Related FAQs
Usually not by default. We can review whether that layer is available and appropriate for you.
It generally follows the terms of your underlying policies and does not add new types of coverage, such as professional liability, unless specifically arranged.
No. It sits above them and requires qualifying underlying coverage to be in place.
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