Why Contractors Need Umbrella Coverage

The gap most contractors miss

General liability and commercial auto policies have limits. A serious accident on a job site, or a multi-vehicle claim involving your work truck, can blow right past them.

How umbrella coverage works

An umbrella policy sits on top of your existing liability policies and adds an extra layer of protection, often in million-dollar increments.

• Extends limits across general liability, auto, and employer liability
• Fills gaps for large, unexpected claims
• Usually costs far less per dollar of coverage than raising each underlying limit

Who should consider it

If you have employees, drive to job sites, or work on higher-value properties, umbrella coverage is one of the most cost-effective ways to protect what you have built.