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

      
 4.9712 reviews
 4.9
 712 reviews
 
 
 
   
 
 
       Eric H 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Shawn and Kim at Affordable Contractor's Insurance has been great. Very fast, excellent customer service and very reasonable pricing for their services. They are always tere to help and I recommend them very much. I just renewed with them because of how much I appreciate Shawn and his whole team.
  
 
      Glenn W 
 
 
 Trustindex verifies that the original source of the review is Google. Timothy Mitchell has been great to work with. On top of his game very prompt with responses and gets the job done, submits all paper work to the contractors board. Very easy to work with.
  
 
      Juan O 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent , best service and prices ever!!
  
 
      Jackie P 
 
 
 Trustindex verifies that the original source of the review is Google. Ron was very helpful and knowledgeable and worked to meet the needs of our insurance.
  
 
      Daniel 
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend Timothy Mitchell for general contractor liability insurance. As a general contractor and business owner, having the right insurance coverage is extremely important. Timothy is professional, knowledgeable, and easy to work with. He makes the insurance process straightforward and takes the time to make sure everything is handled properly. It's great working with someone who understands the needs of contractors and small business owners. I would definitely recommend Timothy to anyone looking for reliable business insurance.
  
 
      Paul M 
 
 
 Trustindex verifies that the original source of the review is Google. I’m very happy I found this company. Sam was a great guy. Everything he said came true. No bullshit. It was a delight to deal with him. I even went back to find out if he did personal Car insurance
  
 
      Paul V 
 
 
 Trustindex verifies that the original source of the review is Google. Great customer service Joelle was very professional and knowledgeable it was a great experience
  
 
      Ronald C 
 
 
 Trustindex verifies that the original source of the review is Google. Worked with Sam to get a great rate for my policy. He made it  a  Simple and easy process.
  
 
      Curtis I 
 
 
 Trustindex verifies that the original source of the review is Google. He had my back helped me with someone useing my name to get insurance and using my name and credit to defraud me and my wife.
  
 
      Derrick G 
 
 
 Trustindex verifies that the original source of the review is Google. Evan was super friendly, communicated well and exceeded my expectations. Thank you Evan!

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.