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Commercial Umbrella insurance


What is Commercial Umbrella insurance ?

In today’s complex world, the primary limits protecting your company may not be enough.

Commercial Umbrella coverage increases your limits, helps close gaps and provides greater protection against claims and peace of mind so you can concentrate on growing your business.

Why Zurich?

Commercial Umbrella Liability insurance from Zurich combines complex coverages into one, simplified form carefully aligned with your company’s primary liability coverages. Our A/B form aligns your policies and reduces potentially costly claims gaps, while delivering simplicity, reliability and innovation.

Zurich’s dedicated Excess Casualty underwriters understand customers’ risks and work with brokers to develop optimal solutions. Our dedicated Excess Casualty Claims team consistently achieves high ratings for providing superior services and response.

$25 million
Maximum policy limit available for qualified customers

Countries and territories in Zurich’s global network – one of the largest in the insurance industry

Claims professionals in 32 countries around the globe, including dedicated Excess Casualty specialists


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Commercial Umbrella Liability insurance

Zurich’s Commercial Umbrella policy combines vital Coverage A “follow form” Excess Liability insurance with Coverage B Lead Umbrella Liability coverage, providing maximum protection for the insured. Coverage C Casualty Business Crisis Expense reimburses emergency expenses up to $250,000.

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Straight Excess coverage

This simple solution for first-layer excess is attached above your primary limits, written with fewer endorsements and limited definitions to better align with underlying terms and conditions.


High Excess coverage

This offers higher limits to aid customers dealing with catastrophic liability situations, aligning with scheduled underlying Umbrella coverage with clear language, updated conditions and enhanced policy definitions.

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