Commercial Umbrella Insurance in Texas — High-Limit Protection for Every Business
Shield Your Business From the “Worst-Case” — Extra Coverage When It Counts
Imagine your company faces a lawsuit or claim that exhausts the limits of your General Liability, commercial auto, or other policies. A commercial umbrella insurance policy steps in to cover the excess—potentially saving your business from a devastating financial hit. This extra layer of liability protection is designed for rare but severe claims that could otherwise close your doors.
How Does a Commercial Umbrella Policy Protect You?
Excess Liability Coverage
Adds $1 million or more above the limits of your GL, auto, and employer’s liability policies.
Fills Gaps
Can provide coverage when a single claim or a combination of claims exceeds your underlying policy limits.
Multiple Policies Covered
One umbrella can blanket over all your major liability policies—so you’re protected whether a claim arises from a truck accident, job site injury, or a slip-and-fall at your storefront.
Affordable Security
For most businesses, umbrella coverage costs just a fraction of what a single major claim could be.
You must carry certain minimum limits on underlying policies. We’ll review your coverage and ensure your umbrella integrates seamlessly.
Smart Protection for Contractors, Fleets, Main Street Businesses & More
Any business with significant assets or exposure to large claims should consider a commercial umbrella. It’s essential for:
Contractors (jobsite injuries, large contracts)
Manufacturers
Farm and ranch operations
Fleets, trucking companies, and delivery services
Property owners, landlords, retail stores
Whether you operate in construction, agriculture, retail, or oilfield services, a large claim can strike unexpectedly—an umbrella policy ensures you’re not left exposed.
Big Protection, Small Price — and Complete Coordination
A commercial umbrella adds $1M+ coverage for a surprisingly low cost—often a few hundred dollars a year for many small and mid-sized Texas businesses. It’s much more cost-effective than raising the limits on each underlying policy separately. Willingham Insurance Agency reviews your current program, checks for gaps, and matches your umbrella limits to your risk profile and budget.
Your Commercial Umbrella Insurance Questions, Answered
Why do I need a commercial umbrella policy?
To protect your business from catastrophic losses that exceed your standard insurance limits. One large claim could otherwise threaten your company’s future.
How does a business umbrella policy work?
It sits on top of your GL, auto, and other liability policies, providing extra coverage when their limits are maxed out.
Umbrella vs. excess liability—what’s the difference?
Umbrella typically provides broader coverage across multiple policies; excess liability applies to just one underlying policy. We can explain what’s right for your business.
What’s the cost of a commercial umbrella per $1 million?
Costs vary by business type, risk, and coverage amount, but most umbrellas are affordable—often pennies per dollar of coverage.
One Policy, Many Shields — Get a Commercial Umbrella Quote
Protect what you’ve built from life’s biggest financial threats. Contact Willingham Insurance Agency for an umbrella policy review, quote, and expert advice.