TechInsurance Umbrella and Excess Liability Insurance

TechInsurance arranges commercial umbrella insurance as an add-on policy that increases liability limits across a buyer's existing general liability, employer's liability, or commercial auto policies; it is not sold as a standalone policy. ¹Company-reportedUmbrella insurance product page.

The reviewed page does not name the issuing insurer for an umbrella policy. ¹Not publicly disclosedUmbrella insurance product page as read on 2026-09-23.

TechInsurance says umbrella coverage is especially relevant for businesses required to carry liability limits higher than $2 million or that face high liability risk, such as a storefront, and requires an active underlying policy to remain valid. ¹Company-reportedUmbrella insurance product page.

TechInsurance says umbrella coverage boosts liability limits in $1 million increments across general liability, employer's liability and commercial auto policies, paying for costs once the underlying policy's limit is exhausted, but it does not cover property damage or intentional criminal acts like employee theft. ¹Company-reportedUmbrella insurance product page; general policy description, not a specific policy form.

TechInsurance distinguishes umbrella insurance, which can extend liability protection over multiple underlying policies, from excess liability insurance, which it says boosts the limit of only one policy (usually E&O or general liability). ¹Company-reportedUmbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section.

TechInsurance says commercial umbrella coverage costs a median of $86 per month for each $1 million of additional coverage, with the exact premium depending on business size, location, industry risk, claims history, employee count and number of company vehicles. ¹Company-reportedUmbrella insurance product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.