One large claim can exhaust a primary policy. Umbrella and excess liability coverage sits above your existing limits so a single loss does not reach your business.
Millions in additional protection above your underlying policies
Contract Requirements
Many general contractors and owners require umbrella limits to bid
Personal Service
Local agents who understand contractor and trade exposures
What an Umbrella Policy Sits Above
Umbrella and excess liability coverage extends the limits of the policies you already carry, and can broaden coverage where an underlying policy stops short.
Excess General Liability
Additional limits above your underlying CGL policy
Excess Auto Liability
Extra protection above your commercial auto limits
Excess Employers Liability
Higher limits above your workers compensation policy
Broadened Coverage
Drop-down coverage where underlying policies fall short
What Underwriters Will Ask For
Underlying carrier, policy numbers and limits
Annual payroll, gross sales and employee counts
Vehicle schedule by weight class and radius
Products, pollution and contractor exposures
Loss history on the underlying policies
Before You Start
Have your current declarations pages handy
Only name, phone and email are required
Fill in what you know and leave the rest blank
An agent will follow up on anything missing
Attach separate sheets by email if needed
Umbrella Insurance Application
Complete the form below to get your commercial umbrella quote. We'll contact you within 24 hours with competitive options.
This is an ACORD-derived intake form. It reproduces the fields of the standard umbrella application so the information you provide maps cleanly to what carriers require. Contractors Choice Agency is not affiliated with, sponsored by, or endorsed by ACORD, and this page is not an ACORD form.
Questions About Umbrella Coverage?
Our experienced agents are here to help you figure out how much excess liability you actually need and which carriers will write it for your trade.