Add an extra layer of liability protection on top of your general liability, commercial auto, and employer's liability, shielding your business assets from catastrophic claims and lawsuits. Fast quotes from a tech-forward Utah brokerage.
Commercial umbrella insurance provides extra liability limits that sit on top of your underlying business policies, typically your general liability, commercial auto, and employer's liability (workers' comp) coverage. When a covered claim exhausts the limits on one of those policies, your umbrella steps in to cover the remainder, up to its own limit. It's one of the most cost-effective ways for a Utah business to add meaningful protection against a single large loss.
A serious lawsuit, a multi-vehicle accident involving a company truck, or a major injury claim can easily exceed a standard $1 million liability limit. Without an umbrella, your business is exposed to the difference, which can mean dipping into operating cash, business assets, or even forcing a sale. An umbrella policy raises your total available limits to $1 million, $2 million, $5 million or more, protecting what you've built from a catastrophic claim or judgment.
Umbrella coverage is frequently required by contract. Larger clients, commercial landlords, general contractors, and municipalities often demand proof of $1M to $5M in umbrella limits before they'll sign. It's common for contractors, trucking and delivery operations, manufacturers, property owners, hospitality businesses, and any company with significant assets or vehicle exposure. If a contract or lease is holding up because of liability requirements, an umbrella is usually the answer.
At Alcreo, we place commercial umbrella coverage with top-rated national carriers, including The Hartford, Liberty Mutual, AmTrust, CNA, and Nationwide, and we structure your underlying limits and umbrella together so they meet your contract requirements without gaps. As an independent Utah brokerage, we shop the market for the right limits at a competitive price, fast.
Higher total limits stacking on top of your GL, auto, and employer's liability.
Coverage when a large claim or judgment exceeds your underlying limits.
Meets the $1M to $5M umbrella limits clients, GCs, and landlords demand.
Shields your business assets and cash flow from a single catastrophic loss.
Need higher liability limits to win a contract or satisfy a lease? Apply online in minutes and our licensed agents will compare umbrella options across our top-rated carriers to deliver the limits your agreements require, with a certificate of insurance issued fast.
We coordinate your underlying policies and umbrella together so your coverage stacks correctly with no gaps.
Through our trusted MGA partner, BTIS (Builders & Tradesmen's Insurance Services), we can quote a wide variety of business niches — from contractors and small retail shops to professional offices and specialty risks. This partnership gives us access to a network of top-rated national carriers, allowing us to deliver competitive pricing and tailored coverage options across hundreds of industries.
