General Liability Excess
Extends coverage above your commercial general liability policy limits for bodily injury, property damage, and personal and advertising injury claims.
Commercial Umbrella Insurance
High-Limit Liability Protection for Your Business
A commercial umbrella policy provides an extra layer of liability coverage above your general liability, commercial auto, and employers liability policies — protecting your business from catastrophic claims that could otherwise threaten everything you've built.
Get AppointmentWhat Is Commercial Umbrella Insurance?
Commercial umbrella insurance sits above your underlying business liability policies and pays when a claim exhausts those limits. In today's litigious environment, a single large verdict or settlement can far exceed standard policy limits. A commercial umbrella gives your business the financial runway to survive a major claim without depleting operating capital or business assets.
What It Covers
Commercial Umbrella Coverage
Broad excess liability protection that keeps your business operating after a major claim.
Commercial Auto Excess
Provides additional liability coverage above your commercial auto policy when a vehicle accident results in claims that exceed your underlying limits.
Employers Liability Excess
Covers employer liability claims that exceed the limits of your workers' compensation policy, including suits brought by injured employees.
Completed Operations Excess
Extends coverage for bodily injury or property damage claims arising from work your business has already completed — a critical protection for contractors and service businesses.
Products Liability Excess
Provides additional protection above your underlying products liability limits if a product your business manufactures, distributes, or sells causes injury or damage.
Legal Defense Costs
Covers attorney fees, court costs, and other legal expenses for covered claims — even frivolous lawsuits — so a legal battle doesn't drain your business resources.
Why Choose Starlight
Protecting Your Business from Catastrophic Loss
One large verdict can wipe out years of hard work. Jennifer works with multiple top-rated commercial carriers to find the right umbrella limits and structure for your business — whether you need $1 million in additional coverage or a $10 million program to satisfy a contract requirement.
- Coverage from $1M to $10M and beyond
- Coordinates with all underlying commercial policies
- Satisfies contract and bonding requirements
- 20+ years of commercial lines expertise
Starlight Insurance Agency partners with The Ahbe Group and top-rated commercial carriers to structure umbrella programs that protect Colorado businesses from the claims that could otherwise end them.
$10M+Coverage Available
20+Years Experience
45States Licensed
A+Rated Carriers
Protect Your Business from the Unexpected
Get a commercial umbrella quote from Jennifer and make sure your business is covered.