Even with strong general liability, commercial auto, or employer liability insurance in place, a major accident or lawsuit can push your business beyond its coverage limits. Commercial umbrella insurance helps protect your business in those high-stakes moments, adding extended liability limits that can shield your assets and keep operations running.
At Keisler Insurance Group, we help business owners across South Carolina secure additional coverage that fits their industry and risk profile. As an independent agency, we work with over 20 leading insurance carriers, so you get the right protection at the right price, with no pressure from a single provider.
Umbrella insurance adds an extra layer of protection when your standard liability coverage isn’t enough.
Call (803) 521-0807 or request a quote to explore commercial umbrella insurance options for your business.
What Does Commercial Umbrella Insurance Cover?
Commercial umbrella insurance provides additional liability coverage when the limits of your underlying policies are exhausted. It does not replace your existing coverage, it extends it.
Typically, umbrella insurance can apply to:
- General liability insurance
- Commercial auto insurance
- Employer’s liability (part of workers’ compensation insurance)
For example, if your general liability policy covers up to $1 million but your business is sued for $2 million, your commercial umbrella policy can step in to cover the remaining $1 million, saving your business from serious financial harm.
Who Needs Commercial Umbrella Insurance?
This coverage is especially valuable for businesses that:
- Interact with the public or clients on-site
- Work on high-value contracts
- Operate vehicles as part of daily operations
- Have employees in physically demanding jobs
- Want added protection against lawsuits and liability claims
Industries that often benefit from umbrella insurance include:
- Construction and contracting
- Hospitality and food service
- Retail businesses
- Manufacturing
- Professional services
- Transportation and delivery
Whether you’re a small business preparing for growth or a mid-sized company managing complex risks, commercial umbrella insurance can help you stay protected when the unexpected happens.
Why Choose Keisler Insurance Group
As an independent agency, we’re not limited to one insurance carrier. We compare multiple options and make recommendations based on what works best for your business, not what benefits a specific company.
- Local agency based in Columbia SC
- Access to 20+ top-rated commercial insurance carriers
- Clear advice from agents who understand your industry
- Fast quotes and dependable customer service
- Customized coverage options to fit your budget and liability needs
- Dedicated team that helps resolve claims quickly
Frequently Asked Questions About Commercial Umbrella Insurance
What is the difference between commercial umbrella insurance and excess liability insurance?
Both provide additional coverage beyond your underlying policies. However, excess liability insurance typically only extends one specific policy, such as general liability. Commercial umbrella insurance is a type of excess liability coverage that can extend several policies (like general liability, auto, and employer liability) under one policy.
Is commercial umbrella insurance required?
It’s not required by law, but it may be required by certain contracts, leases, or clients, especially if you work on large projects or with government agencies. Even when not required, it’s a smart investment for long-term business protection.
Does umbrella insurance cover my business property?
No. Commercial umbrella insurance extends liability coverage only. It does not pay to repair or replace your own building, equipment, or inventory. You’ll still need commercial property insurance or a Business Owners Policy (BOP) for those protections.
How much commercial umbrella coverage do I need?
That depends on your industry, the size of your business, and the risks you face. Coverage typically starts at $1 million and can go up in $1 million increments. One of our agents can help assess your liability exposure and recommend appropriate limits.
How much does commercial umbrella insurance cost?
Premiums vary based on your business type, size, existing policy limits, and risk level. For many small and mid-sized businesses, umbrella insurance is a cost-effective way to get high-limit protection without significantly increasing overall premiums.
Get a Commercial Umbrella Insurance Quote Today
Don’t let one accident or lawsuit jeopardize everything you’ve built. With commercial umbrella insurance from Keisler Insurance Group, you get the extra protection your business needs without overpaying or overcomplicating your coverage.
Call (803) 521-0807 or request a quote today to speak with a local agent about building a stronger layer of liability coverage for your business.