Umbrella / Excess Liability Insurance for Texas Contractors
When a major claim exceeds your primary policy limits, umbrella and excess liability coverage picks up where your other policies leave off. For contractors working on large commercial projects, government contracts, or jobs with strict insurance requirements, this is often a requirement — not an option. We help contractors get the right limits at the best price.
What It Covers
- ✓Liability claims that exceed your primary GL policy limits
- ✓Claims that exceed your commercial auto liability limits
- ✓Additional coverage for catastrophic injury or property damage claims
- ✓Legal defense costs beyond primary policy limits
- ✓Coverage for claims involving multiple parties
Who Needs This Coverage
- →Contractors working on large commercial or government projects
- →Businesses required to carry $2M, $5M, or higher limits
- →Contractors with significant assets to protect
- →Anyone working on projects where a single claim could be catastrophic
- →Subcontractors whose GC requires higher limits than their base policy provides
Common Claims We See
Frequently Asked Questions
What's the difference between umbrella and excess liability?
Umbrella policies typically provide broader coverage and can fill gaps between policies. Excess liability simply adds more limits on top of your existing policies without broadening coverage. Both serve a similar purpose — more coverage when you need it.
How much umbrella coverage do I need?
It depends on your project types and contract requirements. Many commercial GCs require $2M–$5M in total liability. Government contracts often require more. We'll help you figure out what your work actually requires.
Is umbrella coverage expensive?
Umbrella policies are generally one of the most cost-effective ways to increase your coverage. A $1M umbrella policy often costs $500–$1,500/year on top of your primary policies.