When Standard Coverage Isn’t Enough

Add $1M–$10M+ in extra liability protection above your General Liability, Auto, and Employers’ Liability, so one claim doesn’t sink your business

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Business Insurance

Protect your company

Commercial Auto

Company vehicles covered

Trucking

Fleet & cargo risks

Cyber

Data & cyber threat cover

Commercial Property Insurance

Buildings & inventory

General Liability

Slip, trip & fall protection

Professional Liability / E&O

Coverage for services

Malpractice Insurance

Healthcare liability

Sport Insurance

Teams, leagues & events

Workers Compensation

Employee injury coverage

Business Owner's Policy (BOP)

Bundle coverage

Liquor Liability

Alcohol-related claims

Commercial Umbrella

Extra liability layer

Garage Insurance

Shops & dealers

Event Insurance

Conferences & gatherings

Why Commercial Umbrella Coverage Matters

Standard liability policies (general liability, auto liability, employer’s liability) all have coverage limits. One major lawsuit can exceed those limits, leaving your business exposed. An umbrella policy provides additional protection on top of existing policies.

  • Protection Against Lawsuits

  • Higher Liability Limits

  • Coverage for Multiple Policies

  • Peace of Mind for Growth

What Types of Business Insurance Do You Need?

We offer customized Business Insurance packages, no matter your industry, size, and risk profile.

General Liability Insurance

Protects against claims of bodily injury, property damage, or advertising injury. Required by landlords, clients, or licensing boards.

Commercial Property Insurance

Covers buildings, inventory, furniture, and business equipment.

Available as part of a Business Owners Policy (BOP).

Business Owners Policy (BOP)

Combines general liability + property + loss of income.

Ideal for small to midsize businesses.

Professional Liability (E&O)

Covers mistakes, errors, or omissions in your work.

Essential for consultants, real estate pros, and service-based businesses.

Commercial Auto Insurance

Covers company-owned vehicles or employees using cars for work. Includes liability, physical damage, and hired/non-owned auto.

Workers Compensation

Mandatory in most states once you hire employees.

Covers work injuries, medical costs, and lost wages.

Cyber Liability Insurance

Protects against hacking, data breaches, and digital theft.

Highly recommended for businesses with customer data or e-commerce.

Umbrella Liability Insurance

Adds extra liability coverage above all other policies.

Protects your assets from major lawsuits or claims.

Commercial Umbrella: What It Covers

Extra liability protection that stacks on top of your existing policies when claims blow past the usual limits.

☂️

Excess over General Liability

Boosts your GL limits for big third-party claims.

🚚

Excess over Auto Liability

Large at-fault accident judgments.

🧑‍🏭

Excess over Employers’ Liability

Serious workplace-related lawsuits.

💥

Catastrophic Injury & Property Damage

High-severity, low-frequency events.

📦

Products & Completed Ops

Major product-related claims.

🍻

Liquor Liability (scheduled)

When alcohol is part of your ops.

📝

Contractual Liability

Indemnity/hold-harmless obligations.

📣

Personal & Advertising Injury

Libel, slander, copyright (as scheduled).

🌎

Worldwide Incidents

Coverage that travels with you.

🛡️

Defense Above Primary

Legal defense when limits are blown.

Who Needs Commercial Umbrella

Construction & Trades

Large jobs, subs, cranes, and heights. Meets client/GC requirements and adds limits above GL, Auto & Employers Liability.

Transportation & Logistics

Fleets, last-mile, owner-ops. High-severity auto claims demand extra protection layered over auto liability.

Property Owners & Managers

Apartment complexes, HOAs, commercial buildings. Foot traffic & premises exposure—often required by lenders/landlords.

Hospitality, Bars & Restaurants

Liquor service, events, late hours. Umbrella can sit over GL and liquor liability when underlying coverage is in place.

Manufacturing & Distribution

Products shipped nationwide or into big-box retail. Vendors/retailers often require $2M–$10M total limits.

Retail & E-Commerce

High foot traffic and product exposure—especially multi-location or seasonal spikes.

Healthcare & Social Services

Patient interaction, mobile clinics, volunteers. Extra cushion for third-party injury claims.

Professional & Service Firms

Client-facing offices, on-site work, and HNOA exposure. (Umbrella is not a substitute for E&O.)

Nonprofits & Community Orgs

Fundraisers, outreach, volunteers, and venues. Helps with venue certificate and grant requirements.

Municipalities & Public Entities

Utilities, public works, transit, parks. Wide public interface with severe-loss potential.

Events, Venues & Entertainment

Concerts, festivals, sports, rentals. Crowd and spectator risks often require higher limits.

Agriculture & Agribusiness

Farm operations, agritourism, and transport. Premises and auto exposures benefit from added layers.

Contract Requirements

If a client, GC, or landlord demands $5M+ or “umbrella/excess required,” this is the cost-effective way to comply.

Don't see Your Business?

OnePoint covers additional business types not listed

Learn More About Business Insurance

Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.

Insurance doesn't have to be complicated. Get easy explanations for all your questions.

Insurance doesn't have to be complicated. Get easy explanations for all your questions.

Insurance doesn't have to be complicated. Get easy explanations for all your questions.

Insurance doesn't have to be complicated. Get easy explanations for all your questions.

Industry-Specific Insurance Solutions

Retail & E‑commerce

Solutions for online and physical stores to boost sales and streamline operations.

Read More →

Restaurants & Food Services

Tools to attract diners, manage bookings, and grow your food business.

Read More →

Real Estate & Property Management

Support for agents, brokers, and managers to close deals faster.

Read More →

Construction & Contracting

Build stronger client relationships and manage projects efficiently.

Read More →

Nonprofits & Religious Organizations

Engage communities, manage donations, and grow your mission.

Read More →

Beauty & Wellness

Solutions for salons, spas, and barbershops to attract and retain clients.

Read More →

Professional Services

For legal, finance, and consulting firms to manage clients effectively.

Read More →

Healthcare, Manufacturing, Energy

Industry solutions to scale operations and serve clients better.

Read More →

Tech

For startups and tech companies to market, sell, and grow faster.

Read More →

Transportation & Logistics

Manage fleets, shipments, and customers with ease.

Read More →

Don’t see your industry? We probably cover it. Ask us

Commercial Umbrella Insurance

Add an extra layer of liability protection over your General Liability, Commercial Auto, and Employers Liability, so one big claim doesn’t take down your business.

Higher Limits ($1M–$10M+) Covers Large Claims & Lawsuits Extends GL, Auto & EL Meets Contract Requirements
Get My Umbrella Quote

Why Businesses Trust OnePoint Insurance Agency

  • Independent: We negotiate across top carriers (The Hartford, Travelers, Liberty Mutual, etc.).

  • Speed: Same‑day quotes possible for straightforward risks.

  • Clarity: Plain‑English explanations of follow-form terms.

  • Service: COIs on demand; annual renewal reviews.

Learn with OnePoint

Real answers. Straight talk. Insurance made simple.

OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.

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Start the process of reporting an insurance claim.

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Request a full review of your current policy.

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Frequently Asked Questions

What is commercial umbrella insurance?
It’s extra liability coverage that sits above your underlying policies (General Liability, Commercial Auto, and Employers Liability). When a covered claim exhausts those limits, the umbrella keeps paying—up to the umbrella limit.
Umbrella vs. Excess Liability, what’s the difference?
An umbrella can be broader and may “drop down” in limited cases. Excess liability is typically strict follow-form (only adds limits, no broader terms). Many modern “umbrellas” act like excess—so reviewing the form matters.
What underlying policies and limits do I need?
Common carrier requirements: General Liability $1M per occurrence / $2M aggregate, Auto Liability $1M CSL, and Employers Liability $500k–$1M. Your exact minimums depend on the carrier and your class of business.
What does a commercial umbrella usually cover?
Bodily injury, property damage, and personal/advertising injury liability after your underlying limits are used up, typically for GL, Auto, and EL. It also helps satisfy higher contract requirements.
What’s not covered?
Your own business property, workers’ comp benefits, professional liability (E&O), employment practices (EPLI), cyber, product recall, most pollution, and intentional acts—unless specifically endorsed. The umbrella follows its own exclusions.
How much umbrella limit should I buy?
Start with the biggest contract requirement you face, then add cushion. Consider your asset size, revenue, foot/vehicle traffic, locations, and loss history. Typical small/mid businesses buy $1M–$10M; higher-hazard industries often go higher.
How are premiums calculated?
Industry/class, revenue and payroll, number/type of vehicles, driver and loss history, locations, and selected limit. Many small businesses see starting points in the low four figures, but heavy auto or higher-hazard ops pay more.
Does the umbrella include defense costs?
Often yes, how it pays varies. If it’s following an underlying claim, it usually follows that policy’s defense terms. If it “drops down,” defense may be inside limits and subject to a self-insured retention (SIR). Read the form (we can help).
Will additional insureds on my GL/Auto be covered by the umbrella?
Typically, yes—if they’re covered by the underlying policy and the umbrella follows form. Make sure those entities are properly scheduled on the primaries.
Can one umbrella cover multiple companies or locations?
Usually, if they’re related and scheduled, and the underlying policies align. Ownership and operations matter. We’ll structure it so the umbrella actually sits above every place you need it.
Real-world example?
A delivery truck causes a multi-car accident. Auto Liability pays its $1M limit, but the settlement is $2.2M. A $2M umbrella pays the remaining $1.2M (subject to terms), protecting the business from writing a catastrophic check.
How fast can I get a quote or certificate?
Fast if your underlying policies, limits, and loss runs are ready. Many straightforward accounts can be turned around quickly; complex fleets or tough classes take longer. We’ll guide the process and issue COIs once bound.

Talk to a Real Agent

Call, text, or click. We’re ready when you are.

888-899-8117

555 NorthPoint Center E, Alpharetta

Georgia. 30022

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