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Extra Coverage. Greater Peace of Mind.

Commercial Umbrella Insurance in San Diego & Chula Vista

When a claim exceeds your primary liability limits, commercial umbrella insurance helps cover the difference — protecting your business from major out-of-pocket losses. It’s a simple, affordable way to boost your coverage and reduce risk.

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Why It Matters

Your standard policies have limits. Umbrella insurance extends them.


Even strong general liability or commercial auto policies can fall short in a serious claim. If damages exceed your coverage limits, your business may be responsible for paying the rest out of pocket — which can put your assets, operations, or reputation at risk.


An umbrella policy provides an added layer of liability protection, typically starting at $1 million, and applies when your base policy maxes out. It can help cover remaining medical bills, legal judgments, or settlement costs — so a single incident doesn’t become a lasting setback.

How Umbrella Insurance Works

You carry $500,000 in general liability. After a jobsite injury, your business is ordered to pay $750,000 in damages.


Services Include:

  • Your general liability policy covers the first $500,000.
  • Your commercial umbrella policy covers the remaining $250,000.
  • You avoid paying out of pocket — and preserve your business’s future.
Warehouse worker in orange vest, reaching for a box on a high shelf. Boxes fill shelves.

Is Umbrella Insurance Right for Your Business?


If you’re a contractor, property owner, or service business working in the field or interacting with the public, an umbrella policy may be a smart investment. Consider umbrella coverage if:


  • You regularly work on client property or job sites
  • You have vehicles, staff, or subs working under your name


You want added protection beyond what your base policies provideAdd short text here.


Get a Commercial Umbrella Quote

What’s Typically Covered

  • Bodily Injury & Property Damage Liability

    Additional protection beyond your general liability or auto liability policies.

  • Legal Fees & Settlements

    Helps cover court costs and attorney fees once your primary policy limit is reached.

  • Third-Party Claims

    Includes incidents that occur at client locations or as part of your operations.

Note: Umbrella policies don’t cover everything. We’ll help clarify what’s included and what isn’t — so you can make informed decisions.

More Protection, Better Value

Umbrella policies are typically very affordable — especially compared to the potential cost of a high-dollar claim. For many businesses, a small annual premium provides millions in extended coverage.


We’ll help you compare options and find the right umbrella policy to support your risk level, industry, and growth goals.

Let’s Get You Covered

We make commercial umbrella insurance simple and accessible — with fast quotes, expert guidance, and a clear explanation of your coverage. 


Serving San Diego, Chula Vista, and businesses across California. Licensed in Oregon and Washington.