Coverage by Trade

Coverages / Commercial umbrella / excess

Umbrella · 24 of 37 trades

Commercial umbrella / excess

Extra limits above GL, auto and employer's liability. Not required by law; required by many general contractors and commercial landlords.

1234
  1. 1Trades carrying it 24 of 37
  2. 2Highest injury rate 4.8 per 100
  3. 3Lowest of them 1.5 per 100
  4. 4Typical requirer Trades working on commerci
Warehousing and storage4.8Waste collection4.7Framing4.6Used household and office 4.3Siding3.2General freight trucking3.1Plumbing, heating and air-3Landscaping services3Drywall and insulation2.9Poured concrete foundation2.8Structural steel and preca2.8Glass and glazing2.7
2024 recordable injury and illness cases per 100 FTE for the trades whose checklist includes commercial umbrella / excess (top 12 of 24), bars to scale against the highest rate on this site (8.5). Source: BLS SOII Table 1.

What it is for

An umbrella or excess policy adds limits above the underlying general liability, auto and employer's liability. Commercial general contractors, property managers, municipalities and large shippers routinely require more than a standard primary policy carries, and buying the difference as an umbrella is usually cheaper than raising every primary limit.

How it is bought

Trades that carry commercial umbrella / excess

Trades working on commercial contracts. On this site, 24 of 37 trades list it, from warehousing and storage at 4.8 recordable cases per 100 workers to security guards and patrol services at 1.5.

Warehousing and storage 4.8Waste collection 4.7Framing contractors 4.6Used household and office goods moving 4.3Siding contractors 3.2General freight trucking 3.1Plumbing, heating and air-conditioning contractors 3Landscaping services 3Drywall and insulation contractors 2.9Poured concrete foundation and structure contractors 2.8Structural steel and precast concrete contractors 2.8Glass and glazing contractors 2.7Specialized freight trucking 2.7Residential building construction 2.5Roofing contractors 2.4Tile and terrazzo contractors 2.4Flooring contractors 2Masonry contractors 1.9Nonresidential building construction 1.9Electrical contractors 1.8Finish carpentry contractors 1.8Painting and wall covering contractors 1.6Site preparation (excavation) contractors 1.5Security guards and patrol services 1.5

What to ask a broker

Other coverage types

Coverage descriptions are editorial. Legal figures: 49 CFR 387.9 — Schedule of limits, public liability (eCFR). Injury rates: BLS Survey of Occupational Injuries and Illnesses, Table 1 (2024), incidence rates per 100 full-time workers. Checked 2026-10-23.