One major lawsuit. One severe accident. That’s all it takes to exhaust your primary insurance limits — and threaten everything you’ve built.
At Eastman Insurance Solutions (EIS Texas), we help business owners go Beyond the Coverage™ with Commercial Umbrella and Excess Liability Insurance — an extra layer of protection designed to safeguard your assets, revenue, and future when the unexpected happens.
Why Businesses Need Umbrella & Excess Liability Coverage
In today’s litigious environment, multimillion-dollar judgments aren’t just for large corporations. Even small and mid-sized businesses face increasing liability exposure — from severe auto accidents to workplace injuries and property damage claims.
If your General Liability, Commercial Auto, or Employer’s Liability policy limits are maxed out after a major claim, a Commercial Umbrella or Excess Liability policy steps in to cover the remaining costs — often up to an additional $10 million or more.
Without this extra protection, a single catastrophic loss could erase years of hard work and growth.
How Umbrella & Excess Liability Insurance Work Together
While both provide additional protection, there’s a subtle but important difference:
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Commercial Umbrella Insurance extends beyond your underlying policies (like General Liability or Auto) and can sometimes fill coverage gaps.
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Excess Liability Insurance strictly adds higher limits to an existing policy, providing straightforward limit reinforcement without altering coverage terms.
Together, they provide a comprehensive safety net that ensures you’re protected when “enough coverage” isn’t enough.
Real-World Example
Imagine you own a construction company, and one of your work trucks causes a highway accident resulting in $3 million in injuries.
Your Commercial Auto policy covers $1 million.
Without an Umbrella or Excess policy, you’d be responsible for the remaining $2 million — personally or through your business assets.
A Commercial Umbrella policy from EIS Texas would cover that gap, protecting your company, your employees, and your future.
Who Needs Commercial Umbrella Coverage?
Every business that interacts with the public, employees, or contractors should consider it — especially those in high-exposure industries:
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Construction and trade contractors
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Residential care facilities and healthcare providers
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Property management and real estate
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Transportation, delivery, and fleet operations
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Manufacturing and warehousing
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Retail and hospitality
Even if your business operates safely and responsibly, all it takes is one accident or lawsuit to exceed your base policy limits.
Benefits of Commercial Umbrella & Excess Liability Insurance
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Extends liability protection beyond General Liability, Auto, and Workers Comp
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Covers large judgments and legal defense costs
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Protects business and personal assets from seizure or liquidation
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Provides peace of mind for contractual and vendor requirements
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Helps secure higher-value clients who demand higher liability limits
The EIS Leadership Advantage
At EIS Texas, our Beyond the Coverage™ Partnership means you get more than a policy — you get proactive guidance, annual reviews, and coverage strategies built around your real-world risks.
We work with top-rated carriers like Chubb, Travelers, Liberty Mutual, and The Hartford to provide:
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Custom coverage design for your risk profile
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Integrated risk management and safety recommendations
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Multi-policy coordination across General Liability, Auto, and Property
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Claims advocacy to ensure smooth, fair outcomes
Our mission is simple: protect what matters most — your people, your assets, and your legacy.
Get Started – Schedule a Risk Consultation
Let’s ensure your protection truly goes beyond the limits.
Our team will review your existing policies, identify potential gaps, and help you determine the right level of Umbrella or Excess Liability coverage for your operation.
Or call our Texas office today — we’ll make the process simple, transparent, and tailored to your business.
FAQ – Commercial Umbrella & Excess Liability Coverage
Is Umbrella coverage the same as Excess Liability?
Not exactly. Umbrella coverage can extend limits and broaden coverage to multiple policies, while Excess Liability simply increases the dollar limit of a specific policy.
How much Umbrella coverage should I have?
That depends on your operations, contracts, and exposure. Many businesses carry between $1 million and $10 million in additional coverage.
Does Umbrella Insurance cover employee injuries?
Umbrella policies may extend over Employer’s Liability (part of Workers Comp), but typically not over Workers Compensation itself. We’ll help you structure the right balance.