Q1: When does umbrella insurance kick in?

It applies when the limits of your primary policies (like general liability or commercial auto) have been exhausted.

Q2: How much coverage does an umbrella policy provide?

Most start at $1 million in extra liability, with higher limits available based on your industry and risk profile.

Q3: Is this the same as excess liability insurance?

Not exactly. Excess liability adds coverage to a single policy, while umbrella can apply to several at once.

Q4: Who needs commercial umbrella coverage?

Any business with high foot traffic, significant assets, or elevated legal risk should strongly consider it.

Q5: Is umbrella coverage expensive?

It’s often very affordable relative to the amount of additional protection it provides.

Q6: Can I add it to my existing business insurance?

Yes. We’ll review your current coverages and help you layer in umbrella protection seamlessly.

Commercial Umbrella Insurance in Texas

When liability limits end, umbrella coverage steps in.

Expand Your Protection—and Your Peace of Mind

Your business works hard to minimize risk, but a single major claim could exceed the limits of your primary policies. That’s where commercial umbrella insurance comes in. At Stieber Insurance Group, we provide extra liability coverage that kicks in when your general liability, auto, or other business policies are maxed out—so your assets stay protected, no matter what comes your way.

Get a quote for commercial umbrella insurance today.

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What Does Commercial Umbrella Insurance Cover?

Umbrella insurance extends your business’s liability protection across multiple policies, providing high-limit support when you need it most.

Excess Liability Coverage

Adds an extra layer of coverage above your general liability, commercial auto, and employer’s liability policies—essential for protecting your business in high-cost claims.

Legal Defense & Settlement Costs

Helps pay legal fees, court costs, and settlements that exceed your base policy limits.

Cross-Policy Protection

Umbrella coverage can apply to more than one underlying policy, such as liability and commercial auto, for streamlined support.

High-Risk Industry Protection

Ideal for businesses with higher exposure to lawsuits—such as contractors, service providers, transportation, or hospitality.

Commercial Umbrella Insurance FAQs

Q1: When does umbrella insurance kick in?

It applies when the limits of your primary policies (like general liability or commercial auto) have been exhausted.
Q2: How much coverage does an umbrella policy provide?

Most start at $1 million in extra liability, with higher limits available based on your industry and risk profile.
Q3: Is this the same as excess liability insurance?

Not exactly. Excess liability adds coverage to a single policy, while umbrella can apply to several at once.
Q4: Who needs commercial umbrella coverage?

Any business with high foot traffic, significant assets, or elevated legal risk should strongly consider it.
Q5: Is umbrella coverage expensive?

It’s often very affordable relative to the amount of additional protection it provides.
Q6: Can I add it to my existing business insurance?

Yes. We’ll review your current coverages and help you layer in umbrella protection seamlessly.

Don't Let One Lawsuit Sink Your Business

When the unexpected happens, you want your business to be ready. Umbrella insurance helps you stay ahead of risk—with room to breathe.

Request a Commercial Umbrella Insurance Quote Today

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