Protect Your Business Beyond the Basics
As your business grows, so can your liability risks. At Emperor Insurance, we compare commercial umbrella insurance options from multiple trusted insurance companies to help you find additional liability protection that fits your business and your budget. Request your free commercial umbrella insurance quote today and let our experienced, licensed agents help you compare your options and choose the policy that's right for your business.
Independent agency · Est. 2007
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Good coverage starts with a conversation. Let's find the right policy for you.
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Why Clients Choose Us for Commercial Umbrella
Real benefits. No gimmicks.
Underlying Policies Checked First
Carriers look at what sits beneath. A licensed agent reviews that before approaching markets.
Contract Limit Requirements Matched
Send the requirement and we will review it against what you currently carry.
Works With Policies Placed Elsewhere
Your underlying coverage does not have to be with us.
Several Commercial Umbrella Markets
Requirements and appetite differ a great deal between carriers.
Realistic Limit Guidance
If a required limit is not realistic for your operation, we tell you early.
Bundle Discount Potential
For applicable insurance carriers, placing GL, auto and umbrella together may qualify you for a discount. A licensed insurance agent can confirm what is available.
Businesses That Commonly Ask About Commercial Umbrella
Commercial umbrella usually comes up because a contract asks for it or an owner has outgrown their limits. These are the situations we see.
Contractors Bidding Larger Jobs
General contractors and owners routinely specify higher limits on bigger projects.
Businesses With Vehicle Fleets
Fleet exposure is one of the most common drivers of the conversation.
Businesses Employing Larger Crews
More people on more sites changes the overall picture.
Companies Under Vendor Agreements
Corporate clients often set limit requirements as a condition of onboarding.
Property Owners and Landlords
Multiple tenanted locations under one ownership.
Growing Businesses
Revenue and headcount often outpace limits set years earlier.
Frequently Asked Questions
Common questions about commercial umbrella.
Insurance companies generally look at the business policies you already carry when considering a commercial umbrella. Requirements vary by insurance company, so a licensed insurance agent will review what you hold and explain what the carriers we represent will want.
Send us the contract requirement and a licensed insurance agent will review it against what you currently hold. What can be arranged varies by insurance company and policy, and we will tell you plainly if a requirement cannot be met.
Use the quote form on this page or call 305-253-5343. A licensed insurance agent reviews your information, compares commercial umbrella insurance quotes from the insurance companies we represent, and follows up with the options available for your situation. There is no obligation to move forward.
Typically your existing underlying business policies and your operations. Depending on your situation, additional information may be requested. Insurance companies have different underwriting requirements. If you do not have everything to hand, a licensed insurance agent can still get started.
A captive agent represents one insurance company. As an independent insurance agency, Emperor Insurance works with multiple carriers, so if one changes its pricing or appetite we can look at others without you starting over, with the same licensed insurance agent throughout. Coverage, features and eligibility vary by policy and insurance company.
Protect Your Business From the Big One
Commercial umbrella quotes: $1M to $10M+ over your GL, auto, and WC.
Talk to a Real Agent Today
Call, email, or request a quote. A licensed Emperor Insurance agent will get back to you the same business day.