Umbrella/Excess Insurance for Contractors
Protect Your Business from Large Claims
Even with solid coverage, one major incident can exceed your primary policy limits. Umbrella/Excess Insurance provides an extra layer of protection for your contracting business, stepping in when claims go beyond your standard coverage. At Affordable Contractors Insurance, we understand the high stakes contractors face and offer policies designed to keep your business protected from costly claims and unexpected risks.
What Does Umbrella/Excess Insurance Cover?
Umbrella/excess insurance is essential for contractors because it provides an extra layer of protection beyond your primary policies, covering:
- Large Injury Claims: Extends coverage for medical bills and damages if a major accident exceeds the limits of your general liability or auto insurance.
- Significant Property Damage: Covers substantial property damage claims that go beyond your existing policy limits, safeguarding your business assets.
- Extended Legal Defense: Provides additional funds for attorney fees, court costs, and settlements if a lawsuit surpasses your primary coverage.
Why Contractors Need Umbrella/Excess Insurance?
- Boosted Liability Limits
- Protection for Large Claims
- Multiple Policy Coverage Available
How Much Does Umbrella/Excess Insurance Cost?
- Underlying Policy Limits: Higher limits on your primary policies may lower your umbrella premium.
- Business Type and Risk Level: High-risk trades, such as demolition or roofing, may see higher premiums.
- Claims History: A clean claims record can help keep costs down.
Benefits of ACI’s Umbrella/Excess Insurance
When you add umbrella/excess coverage with Affordable Contractors Insurance, you gain more than just additional protection—you gain a devoted partner who understands the high stakes of contracting.
- Same-Day Policy Binding – Secure extended coverage quickly.
- Exclusive Rates – Save up to 25% with customized, contractor-specific umbrella policies.
- Flexible Coverage Limits – Choose the amount of extra protection you need, from $1 million to $5 million or more.
- Ongoing Policy Support – We help you manage renewals, claims, and coverage adjustments.
Get Your Umbrella/Excess Coverage Today
Don’t leave your business vulnerable to large claims or unexpected costs. Get the additional protection you need to safeguard your business and ensure peace of mind on every job.
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