Commercial / Umbrella

Michigan Commercial Umbrella Insurance

A commercial umbrella sits on top of your other liability policies and adds millions in extra protection for a relatively small premium. It's the coverage that keeps one catastrophic claim from wiping out the business — and it's increasingly required by large contracts, landlords, and municipalities.

What we do for commercial umbrella insurance clients

• Extra limits where you need them — $1M to $25M+ over your general liability, commercial auto, and employer's liability.
• Meet contract requirements — many big jobs, leases, and government work require umbrella limits — we set yours to win the contract.
• Affordable protection — umbrella limits cost far less per dollar than raising each underlying policy.
• Multi-carrier shopping — we match your umbrella to your underlying coverage and shop it for the best rate.

Businesses that need umbrella

Contractors and tradespeople, businesses with vehicles or fleets, companies with foot traffic, landlords and property owners, and any Michigan business required by contract to carry higher liability limits.

How a commercial umbrella works

• Sits above your policies — extends your general liability, auto, and employer's liability limits.
• Adds $1M–$25M+ — large additional limits for a comparatively low premium.
• Catastrophic claims — covers the big judgments that exceed your base policy limits.
• Contract compliance — satisfies higher-limit requirements from clients and municipalities.
• Broadens some coverage — can fill certain gaps in the underlying policies.

Common questions

What does a commercial umbrella cover?

It adds liability limits on top of your general liability, commercial auto, and employer's liability policies. If a covered claim exceeds the underlying limit, the umbrella pays the rest — up to your umbrella limit.

How much does a commercial umbrella cost?

Far less per dollar of coverage than raising each underlying policy. A $1M umbrella is often a few hundred to a couple thousand dollars a year depending on your business. We shop it across carriers.

Do I need a commercial umbrella?

If you have meaningful liability exposure — vehicles, employees, foot traffic, or contracts that require high limits — an umbrella is usually the most cost-effective way to protect the business from a catastrophic claim.

Why do contracts require umbrella coverage?

Larger clients, landlords, and government entities want assurance you can cover a serious claim. An umbrella lets you meet $5M–$10M+ requirements affordably without overhauling your base policies.