Commercial Umbrella Insurance

Excess Liability Coverage for Higher-Risk Business Classes

Sometimes your client needs more than standard limits can provide — and when the primary carrier can’t or won’t offer additional layers, you need options. Our commercial umbrella & excess liability markets help independent agents meet contractual requirements, bolster protection, and close deals that would otherwise stall.


We provide surplus lines umbrella solutions for risks with elevated exposure, claims history, or hard-to-place operations.

Where We Fit

We provide excess and umbrella coverage for a wide range of industries, especially those considered tough or “undesirable” by standard markets:


  • Apartments & habitational



  • Restaurants, bars, taverns


  • Auto service & garage operations


  • Light manufacturing & fabrication


  • Mercantile & retail


  • Hotels & motels


  • Mixed-use properties
A group of people are sitting at a table drinking coffee.

Limits Available

  • Typically $1M–$5M



  • Higher limits available depending on risk, underlying carriers & structure


  • Follow-form or scheduled excess options based on carrier appetite.

Common Triggers for Needing Umbrella Coverage

  • Tenant contracts requiring higher GL limits


  • Franchise or lease agreements with minimum coverage thresholds


  • Umbrella requirement for liquor liability


  • High foot traffic or customer interaction


  • Premises with public exposure (parking, pools, signage, etc.)


  • Third-party vendor or property management requirements

FAQs

  • Do you offer umbrella coverage over non-admitted or E&S primary policies?

    Yes — many of our umbrella markets will sit over E&S primary placements, including those written by our own carriers.

  • Can you provide excess for liquor liability or assault & battery?

    Yes, if the underlying coverage is written with a participating market. Not all umbrellas will follow A&B or liquor, so we’ll help you navigate options.

  • What details are required for an umbrella quote?

    We need full details on the primary policies, including carrier, limits, and exclusions, plus a completed umbrella application and loss runs.

Let’s Add the Protection Your Client Needs

Need an extra layer for a tough account?


Call (865) 909-0181 or email jacki@sgatn.com with your submission or coverage scenario.


We’ll walk you through the options.