Contractor Umbrella Insurance
That Goes Further

Coverage That Kicks In When Your Main Policy Runs Out

Protect your business from catastrophic claims that exceed your standard policy limits.

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Why Contractors Rely on Umbrella Coverage

Even strong coverage has its limits. Contractor umbrella insurance adds extra protection when a major claim exceeds your general liability, auto, or workers’ comp policy. At Affordable Contractors Insurance, we provide excess liability insurance for contractors that helps cover large lawsuits, jobsite injuries, and property damage—so you’re not left paying out of pocket.

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?

Contractors face high risks—from job-site accidents to unexpected legal claims. Umbrella insurance extends your existing liability limits, giving you peace of mind no matter what happens.

Boosted Liability Limits
Protection for Large Claims
Multiple Policy Coverage Available

How Much Does Umbrella/Excess Insurance Cost?

Several factors affect your umbrella/excess insurance premium, including:

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.

Situations That Exceed Standard Coverage

Major Jobsite Accidents

A subcontractor suffers a severe injury, leading to a lawsuit that exceeds your general liability coverage.

Vehicle-Related Incidents

An employee causes a multi-car accident while driving a company vehicle, resulting in claims beyond your commercial auto policy.

Property Damage Claims

Accidental damage to a client’s property during a project leads to repair costs surpassing your existing coverage.

Employee Misconduct

An employee’s actions result in a defamation lawsuit, with legal fees and settlements exceeding your policy limits.

Contractual Requirements

Securing a high-value contract that mandates higher liability coverage than your current policies provide.

Third-Party Injuries

A visitor to your construction site is injured, and the resulting claim exceeds your standard liability insurance.

If you're bidding bigger jobs, managing teams, or working in high-risk environments—umbrella insurance isn't optional. It's essential.

Why Choose Affordable Contractors Insurance?

At Affordable Contractors Insurance, we specialize in protecting tradespeople, builders, and subcontractors with insurance that actually fits the way you work. From fast quoting to contractor-specific coverage, we make it easy to get the right protection—without overpaying or dealing with generic policies that don’t meet your jobsite needs.

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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WhaT Our Clients Say

      
 4.9683 reviews
 4.9
 683 reviews
 
 
 
   
 
 
       Cheyenne A 
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with ACI for several years, and they have consistently provided outstanding service. They are, without a doubt, one of the best insurance brokerages for all your insurance needs. Their team is knowledgeable, dependable, and easy to communicate with. What I appreciate most is that they take the time to educate you throughout the process, ensuring everything is clearly explained with no surprises or gray areas.
I would especially like to recognize Christina Bommarito for her exceptional service. She is professional, personable, respectful, and genuinely committed to her clients. You can trust that she'll be there when you need her, and she always goes above and beyond to provide the support and guidance you deserve. I highly recommend ACI to anyone looking for a trustworthy insurance brokerage.
  
 
      Julio R 
 
 
 Trustindex verifies that the original source of the review is Google. Shawn did a phenomenal job helping me with the business insurance for Lone Ranger Roofing. He took the time to shop multiple options and made sure we had the right coverage at a competitive price.

What really stood out was his level of customer service. He even helped me get a roof claim removed from our claims history after determining it was a false claim, which was a huge help.

Shawn was responsive, knowledgeable, and went well beyond what I would normally expect from an insurance broker. If you're a business owner looking for someone who will actually take the time to advocate for you and find the right coverage, I highly recommend Shawn.
  
 
      Rachel L 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome experience. Easy to talk to regarding boring business stuff. Really went to bat for our small business. Highly recommend especially to small businesses owners. Will be passing his contact information around to any business owner that wants to save money but will receive a quality service and product
  
 
      Keith S 
 
 
 Trustindex verifies that the original source of the review is Google. Great guy very understanding and helps you in every way
  
 
      Greg M 
 
 
 Trustindex verifies that the original source of the review is Google. I ask for a COI and before I can even think about it they have a copy of it sent to me. I love this place.
  
 
      Eduardo L 
 
 
 Trustindex verifies that the original source of the review is Google. El señor Bobby brinda un  excelente servicio 100 % recomendado
  
 
      Thomas H 
 
 
 Trustindex verifies that the original source of the review is Google. Jillian really helped me throughout the process.  Great service and timely responses
  
 
      Bryan M 
 
 
 Trustindex verifies that the original source of the review is Google. Jillian was very helpful and friendly. Provided the prime example of excellent customer service.
  
 
      Sebera S 
 
 
 Trustindex verifies that the original source of the review is Google. Behalf of Sarmiento Concrete, LLC
Kim Haley with Affordable Contractor Insurance has been absolutely amazing to work with! She is always professional, helpful, and incredibly quick to respond whenever I need assistance, especially with Certificate of Insurance (COI) requests. I truly appreciate how dependable and efficient she is—it makes handling our business insurance needs so much easier. **Excellent customer service, and I highly recommend Kim!**
  
 
      Francisco R 
 
 
 Trustindex verifies that the original source of the review is Google. This Insurance its the Best A1 100% recommend

Frequently Asked Questions - Contractor Umbrella Insurance

1. What is contractor umbrella insurance and why do I need it?

Contractor umbrella insurance provides extra liability coverage when claims exceed the limits of your general liability, commercial auto, or workers’ compensation policies. As a contractor, you face high-risk situations daily—one major accident or lawsuit could max out your standard insurance. Contractor umbrella insurance steps in to cover the excess costs, protecting your business and personal assets.

2. How much contractor umbrella insurance coverage do I need?

The amount of contractor umbrella insurance you need depends on the size of your business, the type of projects you handle, and your existing policy limits. Most contractors carry between $1 million and $5 million in additional coverage. If you take on large commercial jobs, public contracts, or projects with strict insurance requirements, higher limits may be necessary to fully protect your business.

3. Does contractor umbrella insurance cover subcontractors working under me?

Contractor umbrella insurance primarily extends coverage for claims against your business, but it can also protect you if a subcontractor’s actions lead to a lawsuit against you. However, subcontractors should carry their own insurance policies. It’s smart to verify that all subcontractors you hire have proper coverage to limit your liability exposure.

4. How much does contractor umbrella insurance cost?

The cost of contractor umbrella insurance typically ranges from $500 to $1,500 per year, depending on factors like your industry risk level, business size, number of employees, and desired coverage limits. Affordable Contractors Insurance works with top-rated carriers to find competitive umbrella insurance rates specifically designed for contractors like you.

Contractor Umbrella Insurance by State

Get Extra Protection Wherever You Work

We offer contractor umbrella insurance in all 50 states, helping contractors meet local liability requirements with ease. Whether you’re taking on residential builds or high-risk commercial jobs, our team will help you find the extra coverage you need to stay protected—no matter where the work takes you. Contact us for a local quote.