Commercial Umbrella Insurance in Maryland

Extra Liability Protection When Standard Limits Aren’t Enough

Commercial umbrella insurance provides an additional layer of liability coverage for your business when the limits of your primary policies are exhausted. It works alongside policies like general liability, commercial auto, and employers’ liability to help protect your business from large or unexpected claims. In today’s increasingly litigious environment, a single lawsuit can exceed standard $1 million limits — and a commercial umbrella policy helps ensure your business isn’t left financially exposed.

What Does Commercial Umbrella Insurance Cover?

Excess Liability Coverage

Provides additional coverage once the limits of your underlying business policies are reached. This extra protection helps safeguard your company from catastrophic claims.

Extended Protection Across Policies

Commercial umbrella insurance typically extends over general liability, commercial auto liability, and employers’ liability, depending on your policy structure.

High Coverage Limits

Umbrella policies can add millions of dollars in coverage — often at a relatively low cost compared to increasing limits on individual policies.

Legal Defense Support

Helps cover legal costs and settlements associated with large liability claims that exceed your primary coverage limits.

When Commercial Umbrella Coverage Matters

Many businesses carry standard liability limits of $1 million — but serious accidents or lawsuits can quickly exceed that amount.



Example Scenario:


If your company faces a $2 million liability claim and your general liability policy covers $1 million, a commercial umbrella policy can help cover the remaining balance so your business isn’t forced to pay out-of-pocket.


Commercial umbrella insurance is often purchased by:


  • Growing or established businesses
  • Companies with public-facing operations
  • Businesses with vehicle fleets or high-risk activities
  • Organizations required to carry higher limits by contracts or clients
Woman using tablet at a salon counter; clients getting haircuts.

How Commercial Umbrella Insurance Works

A commercial umbrella policy is not standalone coverage — it works as a safety net above your existing business insurance policies.

Important things to know:


  • You must carry qualifying primary policies to add an umbrella
  • Underlying policies must meet minimum required limits
  • Coverage can be customized based on your risk exposure
  • Higher limits help protect assets, revenue, and future earnings

We help evaluate your total exposure — including assets, contracts, and industry risk — to determine how much additional coverage makes sense.

Common Questions About Commercial Umbrella Insurance

  • Do I need a commercial umbrella policy?

    If your business faces higher liability risks, owns significant assets, or has contracts requiring higher limits, a commercial umbrella policy is often a smart choice.

  • How does business umbrella insurance work?

    It provides additional liability coverage after the limits of your primary policies are reached.

  • Can an LLC benefit from commercial umbrella insurance?

    Yes — LLCs still face financial exposure from lawsuits. An umbrella policy helps protect business assets and income.

  • Is commercial umbrella insurance expensive?

    Compared to the amount of additional protection it provides, umbrella insurance is generally very cost-effective.

  • What policies does a commercial umbrella sit over?

    It typically extends coverage over general liability, commercial auto, and employers’ liability policies.