A single catastrophic lawsuit can exhaust your general liability and auto limits — and come after your business assets next. Commercial umbrella insurance adds a layer of excess liability protection above your underlying policies. CISA places umbrella coverage for California and Arkansas businesses through 40+ A-rated carriers. Get a quote in 15 minutes.
A commercial umbrella sits over your underlying liability policies and pays when a claim exceeds their limits — protecting your business from catastrophic, business-ending verdicts.
Pays above your commercial general liability limits when a third-party injury or property damage claim exhausts your primary policy. Turns a $1M limit into $5M+ of protection.
Adds liability limits above your commercial auto policy for at-fault accidents involving serious injury or multiple vehicles — critical for fleets and trucking operations.
Extends the employers liability portion of your workers' comp policy, protecting against third-party-over actions and catastrophic workplace claims.
Some umbrellas cover claims that your underlying policies exclude, subject to a self-insured retention — providing protection for gaps in your primary program.
Pays legal defense costs above your underlying limits when a catastrophic claim requires extended litigation — so defense doesn't consume your settlement money.
Many GCs, project owners, and leases require $2M, $5M, or higher umbrella limits. We structure your umbrella to meet the exact requirements in your contracts.
Umbrella carriers require specific underlying limits and will drop down only if those are met. We coordinate your GL, auto, and employers liability limits so the umbrella responds exactly when you need it to — no coverage gaps.
Whether you need a $1M umbrella for a small business or a $10M+ tower for a high-hazard operation, we layer admitted and surplus lines markets to build the limit your contracts and risk profile demand.
Umbrella insurance is one of the least expensive ways to add millions in protection — often $500–$1,500 per million of coverage. We shop 40+ carriers to find the lowest excess premium per layer.
Commercial umbrella insurance is an excess liability policy that adds coverage above the limits of your underlying general liability, commercial auto, and employers liability policies. If a claim exhausts your primary policy limits, the umbrella pays the excess amount, up to its own limits.
It depends on your assets, revenue, contractual requirements, and risk exposure. Many businesses carry $1M–$5M; high-hazard operations and those with significant assets or large contracts often carry $5M–$10M+. We help you match the limit to your actual exposure and contract requirements.
Umbrella insurance is highly cost-effective — typically $500 to $1,500 per year per $1 million of coverage, depending on your underlying operations and claims history. CISA shops 40+ carriers so you get the lowest premium per million of excess limit.
A true umbrella provides broader coverage and can drop down to cover claims excluded by underlying policies (subject to a retention). An excess liability policy follows form — it only adds limits and never broadens coverage. We help you choose the right structure for your risk.
CISA places coverage across every line your business needs. Explore related policies or talk to a specialist about bundling for savings.
Protect your crew and stay compliant with California labor laws.
Cover bodily injury, property damage, and advertising injury claims.
Built for licensed trades — GL, WC, tools, and bonds bundled.
Guides on compliance, cost reduction, and claims management.
Looking for something specific? Browse all coverage options or call (209) 400-1710
Complete the form below. One dedicated specialist — not a call center, not a team of sales reps — will personally reach out with your options.