A serious accident can bring a claim larger than your liability limits. A commercial umbrella adds limits above your underlying policies, and Pelorus helps you weigh how much to carry.
Your operations, considered together.Additional liability limits
Build above the foundations.
An umbrella adds liability limits above the policies it lists. We coordinate those underlying limits with the additional protection.
Commercial Umbrella
Additional limits for eligible liability claims
Under the policy
What the coverage can include.
- 01Liability claims above your general liability limits
- 02Auto liability claims above your commercial auto limits
- 03Employee injury lawsuits above your employer's liability limits
- 04Legal defense costs for covered claims
Who it’s for
How it connects to the work you do.
Contractors and trades
Larger projects and general contractors often require umbrella limits above what a primary policy provides.
Commercial truckers
Heavy vehicles can cause serious accidents, and shipper or broker contracts may call for higher auto limits.
Commercial property owners
Shopping centers and parking lots draw steady foot traffic, and lenders or major tenants may require higher limits.
Golf and country clubs
Events, members, guests and club vehicles can lead to claims larger than primary limits.
Explore the industry perspectiveBefore we talk
The questions behind the policy.
How much umbrella coverage do I need?
It depends on what your contracts and lenders require, what the business owns and what a serious claim in your line of work could cost.
What is the difference between an umbrella and an excess policy?
Both add liability limits above underlying policies. Excess coverage generally follows the policy beneath it. An umbrella can offer a broader scope of liability protection, with its own coverage structure and retained amounts. We compare both against your operations and contracts.
Your next step
Make it fit the business you run.
Bring us the question. We’ll help you understand the exposure and the options available.
Prefer email? Contact our teamUseful for a first conversation
- Your current policies or contract terms
- The locations, dates or assets involved
- What has changed since your last review
You don’t need everything ready to get in touch.