Complete your Texas Commercial Umbrella file
Answer only the exact underwriting questions Texas carriers need to generate a real, bindable rate—plus upload your current dec page if handy.
Zero duplicate typing
Construction, Specialty & Bonds • Licensed Texas Agency
Compare Texas Commercial Umbrella & Excess Liability Quotes ($1M–$10M+)
Master Service Agreements (MSAs), commercial landlords, energy operators, and municipal contracts routinely require $2M, $5M, or $10M in excess liability. Layer Commercial Umbrella over your Texas GL, Fleet, and WC.
✓ $1M to $10M+ Excess Limits
✓ Extends Over GL, Auto & WC
✓ MSA & Oilfield Ready
30+ Texas Carriers Compared
Quote Texas Commercial Umbrella
Enter your 5-digit Texas ZIP code to launch our guided Texas Commercial Umbrella intake—zero duplicate typing.
Want to bundle another policy? Select multiple coverages in one intake →
Win Larger Texas Contracts
Instantly satisfy $2M, $5M, and $10M umbrella exhibits for commercial GCs, TxDOT/municipalities, hospital systems, and Permian/Eagle Ford operators.
Fleet + GL Unified Tower
One excess tower sitting cleanly over Commercial General Liability, Commercial Auto, and Employers Liability (WC Part B).
Follow-Form Clarity
Ensure Additional Insured and Waiver of Subrogation wording flows up into your excess layer.
What Texas Commercial Umbrella covers — and Texas rules to watch
Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.
Core Protections
What’s Covered
- Excess Commercial Auto Liability: Provides $1M–$10M+ above your $1M CSL primary fleet policy for severe highway crashes involving company trucks or Hired/Non-Owned vehicles.
- Excess General Liability & Completed Operations: Extends catastrophic bodily injury and third-party property damage limits above your $1M/$2M primary CGL.
- Excess Employers Liability (Workers' Comp Part Two): Adds $1M–$10M above your $1M/$1M/$1M Employers Liability limit on your Texas Workers' Compensation policy.
- Follow-Form Additional Insured & WOS: Carries your primary contract endorsements (Blanket AI, Primary & Non-Contributory, Waiver of Subrogation) through the excess layer.
- Drop-Down Self-Insured Retention (True Umbrella): True Commercial Umbrellas can drop down above a $10,000 SIR on certain covered occurrences not excluded on the umbrella.
- Defense Costs Outside the Excess Limit: Preserves your excess limit for indemnity settlements while funding catastrophic trial defense.
Texas Underwriting Watch-Outs
Exclusions, Deductibles & Endorsements
- Commercial Auto Heavy-Fleet Surcharges: Texas highway jury verdicts make Commercial Auto the toughest leg of an umbrella—bundling GL + Auto + Umbrella with one package carrier (Travelers, Hartford, Selective, EMC, Sentry) is often 30%–50% cheaper than standalone monoline excess!
- Underlying Schedule Minimums ($1M CSL / $1M GL / $1M EL): Excess carriers typically require $1M/$2M GL, $1M CSL Auto, and $1M/$1M/$1M WC Employers Liability (not $100k/$500k/$100k!)—we align your underlying limits automatically.
- Umbrella Does NOT Sit Over E&O, Cyber, or Property: If a contract asks for '$5M Professional Liability' or '$5M Cyber,' a standard Commercial Umbrella won't satisfy it—you need increased primary/excess E&O or Cyber limits.
How We Shop Your Rate
One 3-minute intake. 30+ Texas carriers competing.
Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.
Licensed Texas agent shops the panel
A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.
Soft inquiry • Never hurts credit
Bind & receive official proof
Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.
All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Bundle & companion Texas coverages
Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.
Smart Texas Pairing
GL + Auto + Commercial Umbrella
Package primary GL, fleet, and $1M–$5M Umbrella together for single-carrier pricing.
Smart Texas Pairing
GL + WC + Umbrella
We automatically set WC Employers Liability to $1M/$1M/$1M so your Umbrella attaches with zero gap.
Smart Texas Pairing
Lessors Risk + Excess Liability
High-limit premises liability towers for Texas shopping centers, hotels, and apartment portfolios.
Texas Commercial Umbrella — Frequently asked questions
Answers to the most common Texas statutory, lender, and underwriting questions.
Both add $1M–$10M+ of extra limits above underlying policies; a Follow-Form Excess policy strictly mirrors underlying terms, while a true Commercial Umbrella can also provide broader drop-down defense on select claims subject to a Self-Insured Retention (SIR).
Yes! As long as your current GL and Commercial Auto carriers carry at least an A- VIII AM Best rating and $1M underlying limits, standalone excess markets can layer right on top—or we can quote the whole package to compare total cost.
Standard Texas Workers' Comp policies default Part Two Employers Liability to $100k/$500k/$100k or $500k/$500k/$500k, whereas Commercial Umbrellas require $1,000,000/$1,000,000/$1,000,000—a tiny ~$75–$150 endorsement on your WC policy.
Yes! $1,000,000 primary + $2,000,000 follow-form umbrella = $3,000,000 total occurrence protection, which standard Texas MSAs explicitly accept.
Standard single-carrier umbrellas offer $1M to $10M, and we can stack excess towers up to $25M+ for large industrial, construction, and real-estate schedules.