Commercial Umbrella Insurance in Texas
Extra Protection with Umbrella Insurance
A commercial umbrella policy extends liability protection beyond the limits of your general liability, commercial auto, or workers’ comp employer liability coverage. When a major lawsuit or accident exceeds your policy, umbrella insurance steps in.
Who Should Get an Umbrella?
Contractors and real estate investors in Central Texas often carry umbrella insurance to cover large projects or multiple properties. Any business that faces high exposure or wants stronger financial protection should consider it.
How It Works with Underlying Policies
Umbrella insurance doesn’t replace your other policies—it sits on top. For example, if your GL policy covers $1 million and your umbrella adds $2 million, you now have $3 million in coverage for catastrophic claims.
Coverage Scenarios
- A contractor’s truck causes a multi-vehicle accident and damages exceed the auto policy. Umbrella coverage pays the difference.
- A visitor suffers a serious injury at a construction site, and costs surpass the GL policy. Umbrella steps in.
Affordable Peace of Mind
Umbrella coverage is cost-effective for the protection it provides, giving business owners confidence that even a major claim won’t derail their future.
Get an Umbrella Quote
Ironwood Insurance helps businesses across Waco, Burnet, Marble Falls, and surrounding Central Texas communities secure affordable umbrella coverage.
Frequently Asked Questions About Commercial Umbrella Insurance in Texas
What policies does a commercial umbrella extend?
Typically general liability, commercial auto, and employer liability from workers’ comp policies.
How much umbrella coverage should I carry?
Most businesses carry $1–5 million in umbrella limits, depending on risk exposure. Ironwood can help determine the right amount.
Is umbrella insurance expensive?
No—because it only applies after your other coverage is used up, umbrella policies are relatively affordable for the protection they provide.