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Commercial Umbrella/Excess Insurance

What is Commercial Umbrella Insurance?

Commercial Umbrella Insurance provides additional liability coverage when the limits of your primary business policies—such as general liability, commercial auto, or employer’s liability—are exhausted. It acts as an extra layer of protection to safeguard your business from large, unexpected claims or lawsuits that could threaten your financial stability.

What is Excess Liability Insurance?

Excess Liability Insurance offers higher coverage limits above your existing policies without changing their base terms. It’s commonly used to extend the limits of general liability or commercial auto policies, giving your business stronger financial defense against catastrophic claims.

What Does Commercial Umbrella Insurance Cover?

A typical Texas umbrella or excess liability policy helps cover:

  • Legal Claims That Exceed Primary Policy Limits – Extra protection for lawsuits and settlements.
  • Major Accidents – Coverage for property damage or bodily injury beyond standard limits.
  • High-Cost Lawsuits – Defense against claims that could bankrupt your business.
  • Incidents Not Fully Covered by Standard Policies – Additional security for unforeseen risks.

By having workers’ compensation insurance, you protect your employees, your business, and maintain compliance with Texas regulations.

Why Umbrella & Excess Liability Insurance Matters in Texas

Texas businesses face unique risks—from severe weather and highway accidents to large liability claims. If your company is sued for damages that exceed your primary policy limits, you could be responsible for the difference. Umbrella and excess liability insurance ensure your business stays protected when the unexpected happens.

Local Expertise You Can Trust

At MCN Multiservices, we help Texas businesses strengthen their liability protection. Our team understands state-specific risks and coverage requirements, offering tailored umbrella and excess liability policies for contractors, trucking companies, retailers, and more.

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What Makes Our Coverage Different?

Texas-Specific Expertise

We know the liability laws and business risks unique to Texas.

Flexible Policy Options

Extend limits for general liability, auto, and employer’s liability.

Affordable Premiums

Competitive rates for small businesses and large enterprises.

Bilingual Service

Hablamos español, serving Texas’s diverse communities with clarity and care.

Tips for Texas Businesses

  • Assess Your Risk – High-risk industries often need higher liability limits.
  • Bundle Policies – Combine umbrella coverage with general liability for savings.
  • Review Contracts – Ensure your coverage meets client and vendor requirements.
  • Update Coverage Annually – Adjust limits as your business grows.

Ready to Add an Extra Layer of Protection?

Contact MCN Multiservices today for a free commercial umbrella or excess liability insurance quote in Texas. Our licensed agents will help you compare policies, understand coverage options, and secure protection fast—so you can focus on growing your business with confidence.

Frequently Asked Questions

What’s the difference between umbrella and excess liability insurance?

The main distinction between umbrella vs excess liability lies in flexibility. Umbrella insurance may cover claims excluded from your primary policies, such as libel or slander, while excess insurance simply raises the coverage limits on existing policies without expanding their scope. Understanding the difference between umbrella and excess insurance helps you choose the right safety net.

Umbrella insurance and excess liability for businesses are ideal for high-net-worth individuals, business owners, landlords, and professionals with public exposure. Anyone who wants high net worth insurance protection or broader coverage against large lawsuits can benefit from these policies.

Most people start with $1 million to $10 million in coverage, depending on their assets, income, and exposure to risk. Choosing the right limit ensures you’re not underinsured, use this guide to determine how much umbrella insurance you need, appropriate excess liability limits, and the best coverage amount for your situation.

Surprisingly, umbrella insurance is quite affordable. A $1 million policy generally costs between $150 and $300 per year, offering substantial affordable excess liability insurance for the price. Many homeowners and professionals choose this personal umbrella policy for peace of mind at a low annual rate.

Standard umbrella policies focus on personal protection and usually exclude business-related claims. For companies, commercial umbrella insurance provides business liability extension beyond general liability, helping safeguard assets with excess insurance for companies designed to meet commercial risks.

To qualify for umbrella insurance eligibility, insurers generally require minimum liability coverage on your existing policies, such as $250,000/$500,000 on auto, $300,000 on homeowners, or $1 million in general business liability. Meeting these excess liability requirements ensures you’re qualifying for umbrella coverage smoothly.

If your claim exceeds the limits of your primary policy, your umbrella insurance claim process begins automatically. First, file with your base insurer, once those limits are reached, your umbrella or excess policy takes over to handle remaining costs, settlements, or legal fees. This simple excess liability claim process demonstrates how umbrella insurance works when you need it most.

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We’re here to help with any questions or needs. Connect with our team for personalized assistance and expert guidance on the coverage that fits you best.