Commercial Umbrella & Excess Liability Insurance Quote

Get fast commercial umbrella and excess liability insurance quotes — additional limits above primary GL, auto, and employer's liability policies. Casurance — 2…

How to Get a Quote

1. Complete our online quote form (link above) with your business details.
2. A licensed agent will review your submission and contact you within 24–48 hours.
3. We will shop your risk across multiple A-rated carriers to find the best coverage and price.
4. Once you approve the quote, we bind coverage and issue your certificate of insurance.

Or Call Us Directly

1-888-254-0089 — Monday–Friday, 9 am–5 pm PST

Have your business name, FEIN, years in operation, annual revenue, and current carrier information ready for the fastest quote.

Related Coverages

• Browse All Commercial Coverages
• General Quote Request
• Contact a Licensed Agent

Prepare your business for a focused market review

Start with your contact information, business location and type of risk. The separate next step collects requested limits, operations and underlying policies, with a coverage summary you can review before submitting.

Match additional limits to the contracts you accept

Construction agreements and customer contracts may require specific limits, additional insured wording or completed-operations protection. Supply the actual insurance exhibit so the producer can compare it with both the primary policy and the proposed umbrella or excess form.

• Describe your work, project types and subcontractors.
• Identify each legal entity requesting coverage.
• Confirm endorsements rather than relying on a certificate alone.

Account for commercial auto and fleet exposures

An umbrella should not be assumed to cover every vehicle or driving activity. Show the primary auto carrier, covered operations, limits and any excluded drivers, then describe fleet size, radius, passengers or cargo.

• Review hired and non-owned auto where applicable.
• Confirm the required underlying auto limit.
• Disclose passenger-for-hire and hazardous cargo operations.

Connect premises, property management and entity details

Serious liability claims can arise from public areas, maintenance work or an operation at one of several locations. Identify owners, managers, tenants and other entities that need protection, then review how limits and aggregates apply across the schedule.

• Include all locations, units and significant amenities.
• Separate liability limits from building replacement values.
• Review named insured and additional insured requirements.

Look closely at products and completed-work exposures

For manufacturers, distributors and contractors, the potential liability may continue after a product is delivered or a job is complete. Describe end uses, distribution and work performed so exclusions and any products-completed operations aggregate can be reviewed.

• Disclose imports, exports and subcontracted production.
• Explain quality controls and known incidents.
• Do not assume recall, professional or pollution cover is included.

Build a clear underlying insurance schedule

Step 2 asks for each underlying carrier, coverage type, occurrence or accident limit, aggregate and policy dates. Those details help identify the attachment point and possible gaps. An umbrella is not an automatic substitute for a missing or excluded primary policy.

• Request the limit and effective date you need.
• Attach declarations, loss runs and contracts if available.
• Review exclusions, retentions and defense costs before binding.

Start your umbrella and excess quote

Carrier availability, attachment requirements and policy terms vary by state and risk.