Extended liability solutions
Added protection for high-cost exposures
Severe mishaps in your business and the prolonged litigation that can develop, may exhaust standard policy thresholds. Commercial umbrella insurance sits above your underlying, or primary policy coverage, filling protection gaps and raising overall limits.
General liability enhancement
Raise your underlying CGL threshold to absorb costly third-party bodily injury, property damage.
Commercial auto extension
Elevate protection beyond primary vehicle policy limits to cover multi-vehicle accidents, cargo losses, or substantial injury claims.
Employers’ liability backing
Provide supplemental higher limit protection for work-related injury claims that fall outside workers' compensation.
Broad liability gap-filling
Secure broader protection across multiple underlying policies, that may help circumvent exclusions or increase limits found in standard liability packages.
The Navacord advantage
High-capacity liability protection for Canadian businesses
As one of Canada’s leading independent brokerages, we leverage our national scale and market relationships to build custom umbrella programs that protect your bottom line.
Specialty market placement
We negotiate custom, high-limit policies with commercial insurers specializing in unique operational risks.
Major claim resolution
We manage complex claims with dedicated in-house experts to protect your business against major financial losses, and ensure a prompt, fair claim experience.
National market benchmarking
We analyze coast-to-coast benchmark data to determine optimal limits and secure substantial coverage at competitive rates.
Learn from our umbrella liability experts
“Are you worried about a large claim? Umbrella liability insurance gives your company an additional layer of protection from devastating lawsuits. As claim payouts continue to increase, it provides critical coverage and support when it matters most.”
FAQs for umbrella liability insurance
An excess liability policy strictly expands the dollar limits of one specific underlying policy using the exact same terms. An umbrella liability policy offers broader coverage; it adds higher financial limits across multiple underlying policies and can be tailored to fill coverage gaps that underlying policies exclude.
The ideal limit depends on your industry, operational risk profile, contractual requirements, and overall asset exposure. Because a single major claim can easily breach standard primary limits, we analyze your operational exposures against national benchmarking data to recommend an optimal coverage structure.
A commercial umbrella policy typically “sits” directly on top of your primary Commercial General Liability, Commercial Auto Liability, and Employer’s Liability policies. To activate umbrella coverage, your business must maintain required primary limit thresholds across these underlying lines.
Yes. Umbrella coverage is frequently required by enterprise clients, commercial landlords, municipal entities, and prime contractors before signing agreements. Carrying sufficient umbrella capacity ensures your business remains fully compliant with vendor requirements and ready for new growth opportunities.
In many cases, yes. Commercial umbrella policies can offer broader terms than standard base policies. If an umbrella policy covers a loss that your primary insurance excludes, it drops down to cover the claim after a self-insured retention is met.
