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Commercial Umbrella Insurance
Excess Liability Protection for Oregon Businesses — Above Your Primary Policies
Commercial Umbrella Insurance
Excess Liability Protection for Oregon Businesses — Above Your Primary Policies
Or Get A Free QuoteWhy Oregon Businesses Need Commercial Umbrella Coverage
A single large liability claim can exceed the limits of your primary general liability, commercial auto, or employers liability policies. Commercial umbrella insurance provides an additional layer of protection — typically $1M to $10M or more — above your underlying policies.
Gerald Ross Agency has been placing commercial umbrella coverage for Oregon businesses since 1935. We structure umbrella programs that coordinate correctly with your underlying policies and provide the excess limits your business needs.
Why Choose Gerald Ross Agency?
- Independent agency — we work for you
- Explore coverage options for your needs
- Local Oregon Coast insurance guidance
- Serving Oregon Coast since 1937
- Help comparing coverage and policy terms
- Personalized service and claims advocacy
What Commercial Umbrella Insurance Covers
Commercial umbrella insurance extends the limits of your underlying policies and fills certain gaps in your primary coverage.
Excess General Liability
When a bodily injury or property damage claim exceeds your general liability policy limits, your umbrella policy pays the excess — up to the umbrella limit. This is the most common use of commercial umbrella coverage.
Excess Commercial Auto Liability
If an auto accident results in a claim exceeding your commercial auto liability limits, your umbrella policy provides the additional coverage. Essential for businesses with fleets or employees who drive for work.
Excess Employers Liability
Umbrella coverage can extend above your workers compensation employers liability limits — protecting against large employee injury lawsuits that exceed your primary policy.
Broad Form Coverage
Commercial umbrella policies often provide broader coverage than the underlying policies — covering some claims that fall through gaps in your primary policies. This 'drop down' coverage is an important benefit of umbrella insurance.
Personal Injury Liability
Umbrella policies typically cover personal injury claims — libel, slander, false arrest, and invasion of privacy — that may not be fully covered by your primary general liability policy.
Products & Completed Operations
If your business manufactures, distributes, or installs products, umbrella coverage extends your products and completed operations liability above your primary policy limits.
Why Oregon Businesses Choose Gerald Ross Agency for Umbrella Coverage
Umbrella Program Structuring
Commercial umbrella coverage must coordinate correctly with your underlying policies. We review your entire insurance program to ensure the umbrella attaches correctly and provides the protection you expect.
Serving Oregon Since 1935
Nearly 90 years of continuous service to Oregon businesses. We understand the liability exposures Oregon businesses face and structure umbrella programs accordingly.
Independent Agency — Multiple Markets
As an independent agency, we compare umbrella programs across multiple carriers to find the best combination of coverage and price for your business.
Oregon Coast and Statewide Service
We serve businesses throughout Oregon — from the coast to the Willamette Valley. Coastal businesses, hospitality operations, and marine businesses often need higher umbrella limits due to their specific risk profiles.
Commercial Umbrella Insurance — FAQ
Common questions from Oregon businesses about commercial umbrella coverage.
What does commercial umbrella insurance cover?
How much commercial umbrella coverage does my Oregon business need?
How much does commercial umbrella insurance cost in Oregon?
What is the difference between umbrella and excess liability insurance?
Still have questions? Contact our team for help.
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