Because Big Projects Require Big Protection
For growing contractors in Texas, standard policy limits often aren’t enough. Larger projects, multiple crews, or commercial clients can expose your business to high-value claims that exceed your base coverage. Excess Liability Insurance, also called Umbrella Coverage, provides an extra layer of protection once your primary limits are exhausted.
If your General Liability or Commercial Auto policy caps out at $1 million, but a lawsuit costs $1.5 million, Umbrella coverage pays the difference — protecting your business and your assets.
How Excess Liability Works
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Extends your General Liability, Commercial Auto, or Workers’ Comp limits.
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Helps you meet contract requirements for large commercial or government projects.
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Provides legal defense costs and settlements for catastrophic claims.
Example: When It Works
A plumbing contractor in Houston caused a major water leak during a remodel that damaged multiple condo units. The total loss was $1.6 million, but their General Liability only covered $1 million. Their Excess Liability policy covered the remaining $600,000 — allowing them to stay in business and maintain their reputation.
When It Doesn’t Work
Umbrella policies don’t replace primary coverage. If a contractor has no underlying General Liability policy, the Umbrella won’t respond. Think of it as a “safety net,” not a standalone plan.
Build smarter, not riskier. Add Umbrella Protection today.
Why EIS Texas Recommends It
Many Texas contractors don’t realize how quickly claims add up — medical bills, legal fees, and property damage can easily surpass $1 million. Excess Liability ensures you’re prepared for the unexpected. We help contractors of all sizes qualify for umbrella coverage that scales with their business, from small artisan trades to large construction firms.
Why Texas Contractors Choose EIS
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Local expertise — we understand Texas compliance, licensing, and jobsite requirements.
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Fast, accurate certificates of insurance (COIs) for project deadlines.
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Access to the top carriers in the nation.
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Personalized coverage based on your trade and your growth goals.
Serving Contractors Across Texas
We proudly serve contractors in Dallas, Houston, Austin, San Antonio, Fort Worth and beyond.