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Commercial P&C
Umbrella
Extra liability limits that sit on top of your underlying policies.
What it is
A Commercial Umbrella provides additional liability limits above your General Liability, Auto, and Employer's Liability policies. When a large claim exceeds those underlying limits, the umbrella responds.
Who needs it
Any business with meaningful liability exposure — contractors, transportation operators, property owners, and businesses with contractual limit requirements.
What's typically included
- Additional limits over GL, Auto, and Employer's Liability
- Drop-down coverage for some excluded claims
- Often required by contracts, landlords, and municipalities
- Cost-effective way to add catastrophic protection
Need Umbrella coverage?
Talk with a CMH Risk Partners advisor — we'll shop your risk across 50+ carriers.