Commercial Umbrella Insurance in Delaware & Maryland

A man and two children are standing in a hallway holding hands.
An Extra Safety Net for Your Business Liability

Extend Your Protection Beyond Standard Policy Limits

Some claims go beyond what your general liability, auto, or employer’s liability insurance can cover. That’s where commercial umbrella insurance comes in. It’s designed to pick up where your other policies stop—covering the gap so a single lawsuit or accident doesn’t threaten your business’s future. Whether you manage a fleet, run a contracting company, or own rental properties along the coast, umbrella coverage can protect your assets when things get serious. We help businesses across Delaware and Maryland layer this protection in sensibly and affordably.

What Is Covered by Commercial Umbrella Insurance?

A hand is holding a coin with a dollar sign on it.

Excess Liability Protection

Adds an extra layer of coverage over your existing general liability, commercial auto, or employers liability policies.

A black and white icon of a bottle with a dollar sign and a gavel.

Legal Fees & Settlement Costs

Covers attorney fees, court costs, and damages awarded—after your underlying policy limits are exhausted.

A black and white drawing of a building with a fire and a shield.

Serious Injury or Property Damage Claims

Protects against large-scale claims that exceed the basic limits of your primary insurance policies.

A black and white triangle with an exclamation point inside of it.

High-Risk Incidents & Lawsuits

Ideal for businesses with high public exposure, hazardous work, or valuable assets to protect from large liability claims.

Worried about what would happen if a major claim maxed out your policy?

Let’s talk about whether an umbrella makes sense for your business.

A white house with a porch and a chimney

Built-In Backup for High-Dollar Claims

Most businesses don’t expect a lawsuit that exceeds a million dollars—but it happens. Commercial umbrella insurance gives you breathing room and added protection against the unpredictable. We help you make sure your coverage limits are high enough to match your real risks.

Benefits of having insurance with us:

  • Extra liability protection at a low cost
  • Help coordinating limits with your existing policies
  • Straight answers on what’s covered and what’s not
  • Options designed for contractors, property owners, and fleet operators
  • Local agents who help you stay compliant and protected
Two young boys are laying on the grass and talking to each other.
What to Know About Adding Extra Liability Protection

Commercial Umbrella Insurance FAQs

  • Do I need a commercial umbrella policy if I already have general liability?

    You may. Umbrella insurance is designed to extend that liability when claims exceed your current limits. We’ll review your exposure and let you know if it’s worth considering.

  • Can umbrella insurance apply to more than one policy?

    Yes. A single commercial umbrella policy can extend coverage over multiple underlying policies, like general liability, commercial auto, and employer’s liability.

  • How much umbrella coverage should I carry?

    That depends on your business size, assets, and risk exposure. We’ll help you find the right balance between affordability and protection.

  • Is this the same as excess liability insurance?

    They’re similar, but not identical. Umbrella policies often provide broader protection and can apply to more than one underlying policy. We’ll help you choose the right fit.