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Commercial Umbrella Insurance That Extends Your Protection
When a major claim exceeds your existing liability limits, your business could be left paying the rest out of pocket.
Commercial umbrella insurance adds an extra layer of coverage over your general liability, commercial auto, and employers’ liability policies, helping protect your assets and your future.
At Trailstone Insurance Group, we design umbrella policies that give you the financial backstop you need, so one lawsuit doesn’t put your entire business at risk.
The Backup Plan for Your Backup Plan
Your existing liability policies work hard, but big claims can still break through their limits. Commercial umbrella insurance adds an extra layer of protection so one lawsuit or major accident does not drain your business financially.
It extends your coverage
If a claim maxes out your general liability, auto liability, or employer’s liability policy, your umbrella policy can step in to cover the rest.
It protects against the unexpected
Serious accidents, multi party claims, and large settlements can exceed standard limits. Umbrella coverage makes sure your business has the resources to handle them.
It is surprisingly affordable
Because it only kicks in after your other coverage is used, commercial umbrella insurance often costs less than you think for the protection it provides.
Added Protection Across Multiple Policies
A commercial umbrella policy works in addition to your other liability coverages to provide broader protection:
General Liability
Extends limits for bodily injury, property damage, and personal injury claims.
Commercial & Hired/Non-Owned Auto Liability
Commercial & Hired/Non-Owned Auto Liability
Employers’ Liability
Covers certain workplace injury claims not included in workers’ comp.
Professional Liability
Extends limits for errors and omissions claims tied to your professional services.
Product Liability
Provides higher limits for claims related to products you make or sell.
Pollution Liability
Adds coverage for environmental damage or cleanup costs that exceed your standard policy limits.
When “Enough Insurance” Isn’t Enough
Most business owners set their liability limits and never think about them again. The problem is, medical costs, property damage, and legal fees have climbed to levels that can wipe out standard policy limits fast.
A single accident involving multiple people, a severe injury, or extensive property damage can leave you owing more than your coverage allows. Without umbrella protection, the difference comes directly from your business assets, savings, or even future income.
An umbrella policy is not just extra insurance. It is the safeguard that can keep a bad day from becoming the end of your business.
Our Simple process
Your Path to finding the Best Commercial Umbrella Insurance
Getting the right insurance should not be confusing or stressful. With our four-step process, you get protection you can trust and the confidence of knowing that when disaster strikes, so that you know you are covered the right way.
We Listen First
You want to protect your business, but you’re not sure where to start. That’s where we come in.
Because before we can protect your business, we need to know your business.
Let Us Do The Heavy Lifting
You stay focused. We handle the details. You’ll receive real options built around your needs, not just your business type.
With access to 100+ carriers and strong industry relationships, we deliver quotes tailored to your business.
Clear, Comparable Options
We explain how each policy works with real claim examples, share our honest recommendation, and answer every question on the spot.
You’ll know exactly what you’re buying and why.
Switch With Confidence. We’ll Handle the Rest.
You choose the coverage, we handle the rest. From final negotiations to certificates.
When you have a question, we’re here to help.
Answers you can trust, whenever you need them.
Explore Commercial Umbrella Insurance in the Learning Center
Insurance shouldn't feel confusing. Our Learning Center gives you clear, helpful information so you can make confident choices about your coverage.
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