Umbrella Liability InsurancE

Umbrella Liability Insurance for Virginia Businesses

Sometimes, a standard policy isn’t enough. If your business faces a large lawsuit or claim, umbrella liability insurance steps in after your other coverage runs out. It’s an affordable way to add a layer of extra protection across your entire business.

What It Covers

A commercial umbrella policy adds additional limits on top of your:


  • General liability
  • Commercial auto liability
  • Employers liability (part of workers’ comp)



If one of these policies hits its limit during a major claim, your umbrella policy helps cover the rest — up to the umbrella’s own limit.

Why Businesses Choose Umbrella Coverage

  • Protection against large claims or lawsuits
  • Helps meet contract or job requirements
  • Covers legal defense costs that exceed your base policy
  • Lowers financial risk without changing your existing policies


It’s a smart move for businesses that want more peace of mind — especially those growing, hiring, or taking on bigger contracts.

What Umbrella Doesn’t Cover

It’s important to know what umbrella insurance won’t do. It doesn’t replace your general liability, auto, or workers’ comp — it only extends those policies. It also won’t cover property damage to your own business assets, or intentional wrongdoing.



We’ll explain exactly what’s included and what’s not.

Add It to Your Existing Coverage

We often pair umbrella liability with:

A hand is holding a shield with a check mark on it.

General liability insurance

A construction worker is holding a shield with a check mark on it.

Workers’ compensation

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Commercial auto

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Commercial property insurance

If you already have business coverage through us, adding an umbrella policy is simple. If you’re starting fresh, we’ll help build a complete package from the ground up.

Want Extra Coverage Without Extra Confusion?

Ask us about adding umbrella liability to your business protection plan. We’ll explain what it does, what it costs, and whether it’s the right move for you.