Coverage
Umbrella & Excess Liability Insurance for Texas Contractors
Umbrella insurance provides an extra layer of liability protection above your existing general liability, commercial auto, and employer's liability limits. When a claim exceeds your underlying policy limits — and on bigger jobs, they can — your umbrella kicks in. For contractors working on larger projects or with higher contract requirements, this is often the difference between staying in business and closing your doors.
What Umbrella / Excess Covers
Claims that exceed your general liability limits
Claims that exceed your commercial auto limits
Claims that exceed your employer's liability limits
Additional defense costs beyond underlying policy limits
Broader coverage for certain claims not covered by underlying policies
Who Needs Umbrella / Excess?
Contractors working on commercial or government projects with high limit requirements
GCs who need $2M, $5M, or $10M in total liability coverage
Contractors with significant assets to protect
Businesses with high-risk operations or large crews
Need Umbrella / Excess Coverage?
We shop multiple carriers to find the best rate for your business.
Common Claims Examples
A serious job-site accident results in a $3M lawsuit — your $1M GL limit isn't enough
A multi-vehicle accident involving your fleet exceeds your auto liability limit
A completed operations claim results in damages beyond your GL aggregate
Frequently Asked Questions
Get a Umbrella / Excess Quote
Tell us about your business and we'll shop carriers for the best rate.
Let's get your coverage figured out.
Submit your info and we'll shop options from multiple carriers. Most quotes come back within one business day.