Umbrella Coverage

Umbrella insurance provides an extra layer of liability protection by covering costs that exceed your other liability coverage limits.  Your general liability, business auto and workers compensation policies are your first line of defense but when you need additional protection on a claim that exceeds the limits of your primary policy, an umbrella policy can help pick up the slack.

Umbrella Icon Umbrella Icon



It covers the same types of costs as general liability or business owners coverage, such as medical expenses, legal costs, bodily injury and property damage.  

Notable: Umbrella insurance provides additional coverage on top of your other liability policies.  If you don’t have other liability policies, you won’t be able to obtain a business umbrella policy.  

Claims examples:

  • A customer trips on a step at your restaurant and sustains injuries that leave them with a severe back problem.  To recoup the costs of their medical expenses, the customer sues you for $3,000,000 and your general liability limit is only $2,000,000. 
  • An employee sues you over a chronic shoulder injury they received from lifting heavy equipment while working for you.  Business umbrella coverage can cover the cost of hiring a lawyer.   
  • On the way to a jobsite, your employee causes a pile up in your business vehicle.  The other drivers sue your business for compensation in the amount of $1,500,000 and your business auto limit is $1,000,000.  
  • Your employee installs something incorrectly in a client’s home, causing extensive water damage. The damage to the building and contents is significantly more than your general liability limit.  


It doesn’t cover every type of claim and it does extend over property policies.  

Example: Let’s say a fire causes significant damage to your business personal property.  The cost to replace your damaged property exceeds your commercial property limits.  You would have to cover the difference out of pocket because an umbrella does not cover property losses. 


Everyone with liability insurance!  In particular businesses that frequently interact with customers, work on others’ property or allow the public to visit their premises carry higher liability risks.  If your business owns a lot of vehicles or is involved in hazardous work, umbrella insurance is a good safety net.  

Notable: Working offsite can increase your business’ liability risks.  If your employees are working at a client’s house, there’s a higher risk of property damage.  


Insurance carriers typically write umbrella policies in $1 million increments.  These limits can range anywhere from $1M to $15M.  


Umbrella insurance costs can depend on many factors including: amount and types of underlying coverage, vehicle fleet size, type of business, location, business size, gross receipts and more. The best way to see how much an umbrella policy might cost is to reach out to one of our agents for a quote. 

What our clients are saying:

James Dallman Avatar
James Dallman
Angela Sampels has done a wonderful job for us. She has worked diligently in finding the right fit for our needs, including our autos and homeowners policies. She stays on top of our additions and changes. We highly recommend GIA for your insurance needs.
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Tina Marchini Avatar
Tina Marchini
I contacted Glenwood Insurance Agency for an auto quote for my daughter who goes to school in CO. James Howell responded to my request immediately, was understanding of our needs and provided quality customer service. He was professional and easy to talk with. Thank you James!
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Kaitlyn Wood Avatar
Kaitlyn Wood
Everyone at glenwood insurance is amazing. It’s always a huge hassle trying to find an affordable rate for insurance, but they make it super easy. They are very professional and keep you updated along the process. They ask you questions that no other insurance agency has ever done for me, to get me great rates. Buying a car is a lot of work and headache, so I’m glad I can rely on these amazing people to take the extra hassle of finding good insurance that doesn’t break the bank. 10/10 highly recommend!!!
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