Commercial Umbrella Insurance
When the claim is bigger than the policy.
A serious auto accident. A catastrophic injury on your premises. A jury verdict that runs past your $1 million limit and keeps going. An umbrella sits above your existing policies and picks up where they stop, and relative to the limits it adds, it is usually the least expensive coverage on your program. It is also increasingly what your contracts demand.
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Serving the DMV · Since 2007.
Who we serve
We protect businesses that are building something.
Retail & Multi-Location
Storefronts, franchises, and operations opening their second, fifth, or fifteenth location.
Restaurants & Hospitality
Full-service and quick-serve restaurants, caterers, and hospitality groups, where liquor liability, property, and the people behind the counter all need to be covered.
Government Contractors
GovCon firms navigating contract insurance requirements, from professional liability and cyber to bonding and the limits your contracts demand.
Professional Services
Law firms, consultancies, agencies, and accounting practices, including E&O and cyber.
Trades & Contractors
Electrical, plumbing, HVAC, roofing, and general contractors needing builders risk and bonding.
Growth-Stage Companies
Tech, biotech, and startup-scale operations whose coverage needs change every six months.
Not on the list? We still have you covered. Reach out to us!.
How we work
What a commercial advisor should actually do.
Your advisor
A named human, not a 1-800 number.
You get one advisor who learns your operation, knows your team, and remembers what happened at the last renewal. Same person at year five as at year one.
Proactive reviews
We call before renewal, not after a problem.
Annual proactive reviews. Quarterly check-ins for fast-growth clients. If you opened a new location, hired your fiftieth employee, or signed a major contract, we want to know before your policy does.
Carrier breadth
Independent access to diverse markets.
We're not tied to one carrier's appetite. Travelers, Liberty Mutual, Hartford, Cincinnati, Chubb, and dozens of other standard and specialty markets, we shop where your risk profile actually fits.
One roof
Commercial, benefits, and personal - coordinated.
Your business coverage, your team's benefits, and your personal insurance can all live under one advisory relationship. No more retelling your story to three different people.
What it covers
What a commercial umbrella actually does.
An umbrella provides additional liability limits above the policies underneath it, typically your general liability, your commercial auto, and the employer's liability portion of your workers compensation. When a covered claim exhausts the underlying limit, the umbrella responds for the excess. Limits usually start at $1 million and go up in increments, and the pricing per million is generally far lower than the primary policy because the umbrella only pays after the primary is gone.
The mechanics people miss: an umbrella follows the form of the policies beneath it, which means it generally only covers what they cover. It also requires you to maintain specified minimum underlying limits, listed on a schedule of underlying insurance. If you reduce a primary limit or let a policy lapse, you can create a gap the umbrella will not fill, and you may be responsible for the difference yourself.
It also does not automatically extend over everything. Professional liability, cyber, and directors and officers coverage generally sit outside a standard umbrella unless they are specifically scheduled. If a contract requires excess limits over your E&O, that is a different conversation.
Excess GL, auto & employer's liability
Contract-required limits
Schedule of underlying review
What our clients say
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"Your team is always responsive and helps us figure out our insurance needs. You really keep up with our pace of business, and we appreciate that every single time."
Miles S.
Long-standing Commercial Client
Think you are covered correctly now?
Let us take a look at your current coverage.
Send us your umbrella policy and every underlying policy it sits above. We will confirm your primary limits still satisfy the umbrella's schedule of underlying insurance, check whether the excess coverage actually reaches the policies your contracts care about, and price higher limits so you can see what the next million costs. It is usually less than people assume.
FAQ
Questions we hear about umbrella coverage.
Got a different question? Call us directly: (301) 431-0000. Or email us at info@capitolbenefits.com. The fastest way to answer a real question is to ask a real person.
These answers are general summaries. What is actually covered is determined by the terms, conditions, exclusions, and limits of the policy issued to you, and requirements vary by state, carrier, and business.
Get in touch
Let's take a look at what you've got.
A quick conversation. No deck. We'll tell you what's working and what isn't.