Business Insurance
Commercial Umbrella
Provides an additional layer of liability coverage above your existing policies, protecting against large or catastrophic claims.
Get a Quote*General coverage descriptions listed below are intended as educational overviews and may not reflect the specific terms of any policy placed by Rampart Risk Advisors LLC. Coverages often vary by carrier and the risk profile of each individual business. Always refer to your policy to determine what exposures, perils, or claims are covered.
What’s Generally* Covered
- Additional liability limits above your underlying general liability, auto, and employer’s liability policies
- Catastrophic claims that exceed the limits of primary policies
- Legal defense costs when underlying policy limits are exhausted
- Broader coverage in some cases for claims excluded by underlying policies (drop-down coverage)
- Coverage across multiple policies through a single umbrella structure
- Limits typically available in increments from $1 million up to $25 million or more
Who It's For
- Businesses with significant assets to protect from large liability claims
- Companies in higher-risk industries where claims can quickly exceed standard limits
- Contractors and others required by clients or projects to carry higher liability limits
- Any business wanting cost-effective added protection against catastrophic loss