Umbrella Insurance for Texas Contractors
Get extra liability protection that kicks in when your primary policies reach their limits.
Average Cost: $500 – $2,000/year per $1M for Texas contractors
What is Umbrella / Excess Liability Insurance?
Umbrella insurance (also called excess liability) provides an additional layer of liability protection above your primary policies — general liability, commercial auto, and employer's liability. When a claim exceeds the limits of your underlying policy, your umbrella policy kicks in to cover the excess. For Texas contractors working on large projects or high-value properties, umbrella coverage is essential protection against catastrophic claims that could threaten your business.
Why Texas Contractors Need Umbrella / Excess Liability Insurance
Provides extra protection above your GL, auto, and employer's liability limits
Required by many general contractors for large commercial projects
Protects your business assets from catastrophic claims
Relatively inexpensive compared to the amount of coverage provided
Covers legal defense costs above your primary policy limits
Essential for contractors working on high-value projects
What Does Umbrella / Excess Liability Insurance Cover?
Excess general liability
additional limits above your GL policy
Excess auto liability
additional limits above your commercial auto
Excess employer's liability
additional limits above your workers' comp
Broader coverage
may cover claims not covered by underlying policies
Legal defense
covers additional defense costs
Worldwide coverage
protects you wherever you work