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Why You Need
Umbrella
Insurance
Add excess liability protection above your core business policies. Commercial umbrella coverage helps your company handle large claims, lawsuits, and legal costs that exceed primary limits. Get a fast quote through Harper.
If you own a business, you've probably been burned by insurance before, overcharged for coverage you don't need, or told "we can't cover that" when you need help most.
Better Rates
Complex Cases
Why choose Harper
Harper specializes exclusively in commercial insurance. Our umbrella policies are designed for businesses that need higher liability limits. Every policy is structured to protect business assets, operations, and long-term growth from high-cost claims.
When you need higher limits for a contract, job site, vendor agreement, or renewal, timing matters. Harper moves quickly—collecting the right details, shopping strong carriers, and delivering options you can compare. You’ll work with knowledgeable specialists, not a call center, so you can bind with confidence.
Umbrella coverage is only valuable if it’s set up correctly. Harper explains how a commercial umbrella policy sits over underlying coverages, what triggers excess limits, and where gaps can occur. You’ll get straightforward answers, clean documentation, and a coverage plan that aligns with carrier requirements and contract obligations.
As revenue, payroll, locations, and exposure grow, so does the size of potential claims. Commercial umbrella insurance adds higher liability limits that can scale with your business. Harper helps you adjust limits as your operations change, keeping your protection aligned with contracts, clients, and real-world risk.
A commercial umbrella policy is built to sit over your underlying business liability coverages. Harper reviews your current policies, verifies required limits, and helps ensure the umbrella layer is properly coordinated. We’ll outline what must be in place before binding so there are no surprises when a large claim occurs.
Commercial umbrella coverage is often one of the most efficient ways to increase liability limits. Instead of raising limits across multiple policies, an umbrella can add a single excess layer that responds after primary limits are exhausted. Harper finds options that balance cost, carrier strength, and the limits your business needs.
Every business has different liability exposure—based on industry, staffing, operations, and client requirements. Harper tailors umbrella recommendations to your actual risk profile, including the types of claims most likely to impact your company. The goal is simple: strong excess protection where it matters most.
Severe losses can escalate quickly—legal defense, settlements, judgments, and extended litigation costs. Commercial umbrella insurance helps protect your company’s balance sheet when the unexpected becomes expensive. Harper helps you secure the excess limits needed to reduce disruption and keep operations moving forward.
What is
Umbrella
Insurance?
Commercial umbrella insurance provides excess liability limits above your primary business policies. If a covered claim exceeds the limits on your underlying liability coverage, the umbrella can help pay the additional amount—often including legal defense and settlement costs—subject to policy terms. It’s designed for commercial operations and contract-driven risk.
FAQs
Find quick answers to the most common questions about our services.
If your company has meaningful liability exposure or contract requirements, a commercial umbrella policy can provide extra limits above primary coverage. It helps reduce financial risk from large claims, lawsuits, and legal defense costs once underlying policy limits are exhausted.
Many businesses start with $1M in umbrella limits and scale higher based on contracts, industry exposure, revenue, locations, and risk tolerance. Harper reviews your operations and requirements to recommend limits that align with realistic loss scenarios and obligations.
No. Many small and mid-sized businesses use umbrella coverage to meet contract requirements and protect against severe losses. If your company interacts with customers, vendors, or the public—or could face a sizable lawsuit—umbrella limits can be a practical layer of protection.
It depends on the carrier’s underwriting rules and how your underlying policies are structured. Some carriers prefer certain underlying limits or placements. Harper reviews your current coverage and markets options to find the best path—whether that means staying put or moving to a better fit.
Pricing depends on industry, revenue, payroll, claims history, locations, underlying limits, and requested umbrella limits. Harper shops multiple carriers and presents clear options so you can compare premiums, limits, and terms and choose the right excess layer for your business.
Timelines vary by complexity, but many quotes can be turned quickly once we have the right details and current policy information. If you have an upcoming deadline, Harper will prioritize your request and guide you through requirements needed to bind coverage without delays.
Get a
Umbrella
Insurance Quote
A large liability claim can exceed primary limits fast. Commercial umbrella insurance adds an excess layer to help protect your company from high-severity losses. Request a quote from Harper to review limits, options, and the right structure for your operations.
