Commercial Umbrella Insurance provides an additional cushion of liability protection for your business. It “sits on top” of your existing policies like General Liability, Commercial Auto, or Product Liability, and kicks in when those limits are maxed out by a large claim or lawsuit. For example, if your business faces a $2 million judgment and your general liability only covers $1 million, your umbrella policy covers the excess, so you aren’t paying out of pocket.
Protect Your Business From Mega Claims With an Extra Layer of Coverage
One Policy, Multiple Protections:
Smart, Cost-Effective Coverage
Extends Over
General Liability, Commercial Auto, Product Liability, and more.
Aggregates Limits
A single umbrella can increase the protection for all your key policies—no need to raise each limit separately.
Catastrophic Event Ready
Protects your business when an accident or lawsuit results in damages that surpass your standard insurance limits.
Fulfills Contracts
Satisfies higher insurance requirements for government or corporate contracts.
Affordable
Because it only pays after primary limits are exhausted, umbrella coverage offers millions in extra protection for a fraction of the cost of raising all individual policies.
Peace of Mind for High-Risk Businesses and Contract Work
Businesses with higher risk exposures such as contractors, manufacturers, or companies with public traffic often need umbrella insurance to satisfy contract requirements or safeguard against catastrophic losses. In California, many contracts demand $2 million or $5 million in aggregate coverage, which is typically met by adding an umbrella policy to your core policies. If you handle large projects, have a fleet, or work with the public, umbrella coverage can be the difference between staying in business and financial ruin.
Know the Nuances, Get the Right Protection
Umbrella Policy:
Adds extra coverage above multiple underlying policies, sometimes with slightly broader coverage.
Excess Liability Policy:
“Follow form” coverage that strictly increases the limit of one specific policy.
Miller United helps you choose the right solution, so you’re fully protected and contract-compliant.
Experienced in Structuring High-Limit Protection
Miller United analyzes your risk exposure, contract obligations, and underlying policies to recommend the ideal umbrella or excess limits, whether you need an extra $1 million or $100 million. We ensure your base policies meet umbrella requirements, avoiding gaps and giving you seamless coverage. Our relationships with 214+ carriers mean you get competitive rates and fast turnaround, so you can secure new contracts and face the unexpected with confidence.
Millions in Coverage | Pennies on the Dollar
Don’t let insurance limits hold your business back. Protect your company, unlock bigger contracts, and sleep better at night with commercial umbrella insurance from Miller United.
