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Quickly find your Umbrella policy

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Your umbrella insurance policies are backed by the most trusted insurance carriers in the industry:

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A streamlined application process

One questionnaire gives you quotes from every major carrier.

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Pick a policy that fits your business, or bundle policies and save.

Coverage within 24 hours

Quickly get covered and get on with your day.

Take the confusion out of insurance coverage

A 60-second business insurance checkup can help answer your coverage-related questions. Share some specifics about your business and we’ll highlight the insurance coverages that are appropriate for your industry and specific to your business.  

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An umbrella policy kicks in when your existing coverage is not enough.

A Commercial Umbrella policy gives you extra liability coverage to pay costs that exceed your existing liability policy limits. This coverage complements a General Liability, Commercial Auto, or Employment Practices Liability policies. Without Umbrella coverage, you'll be required to pay out of pocket for expenses that cost more than the coverage limits set in your primary liability policy.

How does a Commercial Umbrella Policy Work?

Example: Your company is found liable for a customer’s injuries from a slip and fall accident that occurred at your place of business. Your company is sued for $1.5 million but only has $1 million in liability coverage. A Commercial Umbrella policy will make up for the $500,000 difference in coverage limits.

What's covered?

  • Libel
  • Reputational damage
  • Vehicle accidents
  • Product liability
  • Customer injury (i.e. slip and fall injuries)
  • Workers compensation
  • Third-party property damage

What's NOT covered?

  • Liquor liability
  • Workers compensation, employers liability, and employment-related practices
  • Pollution
  • Aircraft or watercraft
  • Racing activities
  • Recall of products, work, or impaired property
  • Electronic data

Learn about our other business insurance types:

Business Owners Policy
General Liability
Professional Liability
Workers Compensation
Commercial Auto
Directors and Officers
Cyber Insurance
Other Insurance

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About CoverHound

Insurance shopping simplified by technology, backed by generations of experience. CoverHound® is an original InsurTech that allows consumers and businesses to easily compare and purchase insurance online — offering competitive rates and coverages in all 50 states with fast, accurate and actionable quotes from A-rated U.S. insurance carriers.

CoverHound is part of the Retail segment of Brown & Brown, Inc. (NYSE: BRO), a leading insurance brokerage firm, delivering risk management solutions to individuals and businesses since 1939. The Brown & Brown team is as connected locally as it is nationally, with more than 8,000+ Retail teammates in 300+ locations across the U.S. and select global markets. No matter where you are on your growth journey, our team is committed to help you find solutions to meet your ever-evolving needs.

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