When Standard Coverage Isn’t Enough

Add $1M–$10M+ in additional liability coverage on top of your General Liability, Auto, and Employers’ Liability, ensuring a single claim doesn’t put your business at risk..

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Why Commercial Umbrella Coverage Matters

Standard liability policies—like General Liability, Auto Liability, and Employers’ Liability—come with coverage limits. A single major claim can exceed these limits and put your business at risk. IDR Umbrella Insurance offers extra protection on top of your existing policies, helping safeguard your business from unexpected financial losses.

Protection Against Lawsuits: Safeguard your business from large claims.
Higher Liability Limits: Add $1M–$10M+ extra coverage.
Coverage for Multiple Policies: Extends over General, Auto, and Employers’ Liability.
Peace of Mind for Growth: Focus on business growth without legal worries.

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Who Needs Commercial Umbrella

Construction & Trades

Covers large projects, subcontractors, cranes, and heights.Adds protection above GL, Auto, and Employers’ Liability to meet client GC requirements.

Transportation & Logistics

Protects fleets, last-mile deliveries, and owner-operators. Provides extra coverage for high-severity auto claims above standard liability.

Property Owners & Managers

Apartment complexes, HOAs, and commercial buildings. Covers foot traffic and premises risks—often required by lenders or landlords.

Hospitality, Bars & Restaurants

Liquor service, events, and late hours. Umbrella coverage extends above GL and liquor liability when underlying policies are active.

Manufacturing & Distribution

Products distributed nationwide or to major retailers. Vendors and retailers often require $2M–$10M in total coverage limits.

Retail & E-Commerce

High customer traffic and product exposure—especially ideal for multi-location retail businesses or seasonal sales surges.

Healthcare & Social Services

Direct patient care, mobile services, and volunteer activities—provides extra added protection for third-party injury claims.

Professional & Service Firms

Client-facing offices, on-site work, and HNOA risks—umbrella coverage supplements but does not replace E&O insurance.

Nonprofits & Community Orgs

Fundraisers, community outreach, volunteer programs, and event venues — IDR Insurance provides the extra liability coverage needed to meet venue and grant requirements.

Municipalities & Public Entities

Utilities, public works, transportation, recreation, and parks — IDR Insurance offers reliable and added protection for organizations with high public interaction and potential for severe losses.

Events, Venues & Entertainment

Concerts, festivals, sports events, exhibitions, and rentals — IDR Insurance provides liability protection to manage crowd and spectator risks effectively.

Agriculture & Agribusiness

Farm operations, agritourism, and transport — IDR Insurance adds extra protection for premises and vehicle-related exposures, keeping your operations secure.

Contract Requirements

If a client, general contractor, or landlord requires $5M+ in coverage or specifies “umbrella/excess required,” IDR Insurance offers an affordable way to meet those requirements confidently.

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Why Businesses Trust IDR Insurance

Independent: We compare top insurance carriers to find the best fit for your business.
Fast Quotes: Receive same-day estimates for straightforward coverage needs.
Clear Guidance: Understand policy terms with plain-English explanations.
Reliable Service: Certificates of Insurance on demand and annual policy reviews.

Expert Guidance Whenever You Need It

Explore the IDR Insurance Resource Center for answers to your questions, the latest industry insights, and helpful tools to navigate your insurance and financial decisions.

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2 Update My Policy Info

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Commercial Umbrella Insurance

Excess & Umbrella Liability Coverage
Add an extra layer of protection above your General Liability, Commercial Auto, and Employers Liability policies—so a single large claim doesn’t jeopardize your business.

Key Benefits:

Higher Limits: $1M–$10M+
Covers Large Claims & Lawsuits
Extends GL, Auto & EL Coverage
Meets Contract Requirements

Real Client Feedback

Trusted by customers worldwide for dependable service and exceptional results.

“IDR Insurance made everything simple. Signing up was quick, and when I filed a claim, the process was smooth and stress-free.”

Sarah Mitchell

“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”

James Carter

“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”

Emily Johnson

“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”

Michael Thompson

Frequently Asked Questions

What is commercial umbrella insurance?

Provides additional liability protection above your existing policies—General Liability, Commercial Auto, and Employers’ Liability. If a covered claim exceeds those limits, your IDR Umbrella Policy continues to pay, up to the umbrella limit.

Umbrella vs. Excess Liability, what’s the difference?

IDR Umbrella Insurance can offer broader protection and, in some cases, “drop down” to cover gaps. Traditional excess liability usually just adds limits without expanding coverage. Many modern umbrella policies function like excess, so reviewing the policy terms is essential.

What underlying policies and limits do I need?

Typical carrier requirements for IDR Umbrella Insurance include: General Liability $1M per occurrence / $2M aggregate, Auto Liability $1M CSL, and Employers’ Liability $500k–$1M. Exact minimums vary by carrier and your specific business classification.

What does a commercial umbrella usually cover?

Covers bodily injury, property damage, and personal/advertising injury once your underlying General Liability, Auto, and Employers’ Liability limits are exhausted. Also helps meet higher contract or client-mandated coverage requirements.

What’s not covered?

Does not cover your business property, Workers’ Compensation, professional liability (E&O), employment practices (EPLI), cyber risks, product recall, most pollution, or intentional acts—unless specifically added. The umbrella policy follows its own set of exclusions.

How much umbrella limit should I buy?

Begin with the largest contract requirement your business must meet, then add extra protection. Factor in your assets, revenue, foot and vehicle traffic, number of locations, and past claims. Small to mid-sized businesses typically choose $1M–$10M coverage, while higher-risk industries often select higher limits.

How are premiums calculated?

Consider your industry/class, revenue and payroll, number and type of vehicles, driver and claims history, locations, and desired coverage limit. Many small businesses begin with limits in the low millions, while operations with heavy auto use or higher-risk activities may require higher premiums.

Does the umbrella include defense costs?

Usually yes, though how it handles defense costs can vary. When following an underlying policy, it generally follows that policy’s defense terms. If it “drops down,” defense may come from the umbrella limits and could be subject to a self-insured retention (SIR). Always review the form carefully—IDR can assist.

Will additional insureds on my GL/Auto be covered by the umbrella?

Typically, yes—if the entities are covered under your underlying policies and the umbrella follows form. Ensure all such entities are correctly scheduled on your primary policies.

Real-world example?

A delivery vehicle is involved in a multi-car accident. Auto Liability covers up to its $1M limit, but the total settlement is $2.2M. An IDR umbrella policy with $2M coverage pays the remaining $1.2M (per policy terms), shielding your business from a financially devastating payout.

Can one umbrella cover multiple companies or locations?

Usually, yes—if the entities are related, properly scheduled, and your underlying policies align. Ownership and operations are important; we’ll structure the umbrella to provide coverage wherever you need it.

How fast can I get a quote or certificate?

Quick and efficient when your underlying policies, limits, and loss history are in place. Most standard accounts are processed swiftly, while complex risks may take a bit longer. IDR guides you through every step and provides COIs promptly once coverage is confirmed.

Talk to a Real Agent

Call, text, or click. We’re ready when you are.

Call: (636) 556-5555, (314) 499-8888

Mail: support@idrinsurance.com

Chesterfield Office: 691 Trade Center Blvd, Chesterfield, MO 63005

Ofallon Office: 1001 Boardwalk Springs Pl #111, O'Fallon, MO 63368

When Standard Coverage Isn’t Enough

Business Insurance

Commercial Auto

Trucking

Cyber

Commercial Property

General Liability

Professional Liability / E&O

Malpractice Insurance

Sport Insurance

Workers Compensation

Business Owner's Policy (BOP)

Liquor Liability

Commercial Umbrella

Garage Insurance

Event Insurance

Why Commercial Umbrella Coverage Matters

Commercial Umbrella: What It Covers

Excess over General Liability

Excess over General Liability

Increases your General Liability coverage to handle large third-party claims.

Excess over Auto Liability

Excess over Auto Liability

Protects against high-cost judgments from major at-fault accidents.

Excess over Employers’ Liability