Commercial umbrella that's actuallyclearstackedyoursfairclear
When a serious claim runs past your liability limits, an umbrella is the layer that catches everything above. We line up the underlying policies and shop the excess across 20+ carriers.
Commercial umbrella, line by line.
What an umbrella adds on top of the liability you already carry.
| Coverage | What it covers | Good to know |
|---|---|---|
| Excess general liability | Limits above your underlying GL | Kicks in when the base policy is exhausted |
| Excess auto liability | Limits above your commercial auto | Where large fleet claims are caught |
| Excess employer's liability | Limits above the comp employer's liability | The often-forgotten third underlying policy |
| Drop-down coverage | Fills certain gaps in the underlying | Varies by form, read it carefully |
| Defense costs | The cost of defending a covered excess claim | Usually outside the umbrella limit |
| Layered limits | Additional excess stacked even higher | For contracts that demand large totals |
An umbrella requires set limits on the policies underneath it. We confirm the underlying connects cleanly before binding.
Contract demanding higher limits? Send it over and we will size the umbrella, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Commercial umbrella, answered.
The questions owners ask before they add a layer.
If your assets, your contracts, or your risk exceed your underlying liability limits, an umbrella is usually worth it. Many leases and client agreements require a minimum total, and an umbrella is the affordable way to reach it.
An umbrella sits on top of required underlying limits, so the layers connect with no gap. We adjust the base policies so the umbrella actually attaches the way it should.
Because it only pays after the underlying is exhausted, an umbrella usually adds a great deal of limit for a modest premium. We lay out the options across carriers.
Most commercial quotes are back within 48 business hours once we have your underlying policies. We reply to any question within 2 business hours.
Ready when you are
Send us your underlying policies. We will size and shop the umbrella, free.
An umbrella sits over
Commercial auto
Fleet claims run large. The umbrella catches what auto cannot.
Explore commercial autoWorkers' compensation
The employer's liability piece of comp is a third underlying policy.
Explore workers' comp