What is commercial umbrella insurance?

Commercial umbrella insurance provides additional liability coverage that kicks in when your primary policies (general liability, commercial auto, employer liability) reach their limits.

How much does umbrella insurance cost for businesses?

A $1 million commercial umbrella policy typically costs $150 to $500 per year for small businesses. Larger limits and higher-risk industries cost proportionally more.

Do small businesses need umbrella insurance?

If you have significant assets, work on client sites, or operate in a high-risk industry, umbrella insurance is a cost-effective way to protect against catastrophic claims that exceed your primary coverage.

Commercial Umbrella Insurance Calculator

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Commercial Umbrella Estimate

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Umbrella insurance is among the best values in commercial coverage — a $2M policy typically costs less than $1,000/year for low-risk businesses. High-risk industries like construction and trucking pay more, but the coverage-to-cost ratio remains excellent.

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This calculator is for informational purposes only. Results are estimates based on the inputs you provide. Consult a qualified financial professional before making business decisions.