Commercial Umbrella insurance · Texas
Commercial umbrella coverage for the claim that’s bigger than your limits
A commercial umbrella extends your liability protection above your primary policies, such as general liability and commercial auto, for large claims and judgments.
TexPro Insurance is an independent insurance agency based in Houston, Texas, licensed in Texas only, serving clients across the state with property and casualty coverage.
What it covers
What a Commercial Umbrella policy can include
Coverage varies by carrier and policy form. Here’s what we typically review with you.
Excess liability
Pays after your primary policy limits are exhausted on a covered claim.
Legal costs
Defense costs for covered claims, subject to the policy.
Bodily injury
Serious injury claims from customers or the public.
Property damage
Damage to others’ property beyond primary limits.
Judgments & settlements
Large awards that exceed your underlying coverage.
Contract compliance
Helps meet higher limits required by clients, landlords or general contractors.
General summary only. The actual policy language controls, and all coverage is subject to underwriting approval.
Who it’s for
Is this you?
- Businesses with heavy foot traffic
- Operations using machinery or heavy equipment
- Fleets and businesses with drivers on the road
- Contractors with contract-required limits
A quick example
- A customer slips, falls and sues for $1.5 million. Your general liability limit is $1 million.
- Without an umbrella, the difference could fall on your business. With one, the umbrella can respond above the primary limit, subject to its terms.
- A general liability policy is required underneath an umbrella.
How TexPro helps
Advice first. Then the quote.
We start with your situation
What you own, what you drive, what you’d stand to lose. Coverage is built around that, not a template.
We shop multiple carriers
We compare coverage, limits, deductibles and price across carriers, and show you the differences side by side.
We stay with you
Changes, renewals, certificates and claims questions. You call the same Houston team that set up your policy.
FAQ
Frequently asked questions
What’s the difference between umbrella and excess?
Both add limits above primary policies. An umbrella may also cover some claims your primary policies don’t. Excess generally follows the primary policy’s terms.
What affects the price?
Your underlying limits, type of business, size and risk profile.
Do I need general liability first?
Yes. A general liability policy is required underneath a commercial umbrella.
General information only. Coverage depends on your policy; the actual policy language controls, and all coverage is subject to underwriting approval.
Related coverage
Often reviewed together
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Ready to review your Commercial Umbrella coverage?
Tell us what you need protected. A licensed TexPro agent will compare options from multiple carriers and walk you through them.