Insurance Risk Management Solutions for Companies & Homeowners

Commercial Umbrella Insurance for Excess Liability

Excess liability insurance takes the idea of peace of mind to the next level for business owners. It operates in conjunction with your primary insurance package to cover risks that exceed the financial limits of your primary policy in DallasMcKinneyAustinHouston, and other cities we serve throughout Texas.

An excess liability insurance policy only pays out after your primary policy has paid out in full and you have hit your coverage cap. The surplus coverage kicks in to cover all residual expenses. This means that an excess liability scheme is less likely to pay out than a normal policy, resulting in lower premiums.

The terms "excess liability insurance" and "umbrella insurance" are often used interchangeably, and the distinction between the two can be hazy. Some insurers make the distinction because umbrella policies will cover risks and conditions that the regular coverage does not cover, while excess liability insurance merely adds a higher payout cap. Check with your carrier to determine what your policies offer. Call us at 972-472-2040 to know about our Excess Liability Insurance with free estimates! 

Umbrella Liability Insurance – Coverage for Your Business in DFW

Umbrella Liability Insurance – Coverage for Your Business in DFW

A low-cost business umbrella policy typically fills the gap left by a company's auto liability, general liability, or other liability coverage. Umbrella insurance offers additional protection against physical harm and/or collateral loss.

Consider the following example: If the insurance protects you for $1 million and the financial burden reaches $1.5 million, your corporate shield coverage will fund the additional amount above the policy limit. In this case, that is $500,000 – the difference between losing your company and remaining in business.

How much commercial umbrella insurance does your company require? The response is determined by a number of variables, including the kind of company you own and the amount of coverage you currently have. It is critical to consult with an Insurance Source of Dallas agent to determine the right commercial umbrella scheme plan for you.

Contact Us for Commercial Umbrella Liability Insurance in DFW, Houston, & Austin

Tower Street Insurance specializes in Commercial Umbrella/Excess Liability Insurance coverage for customers in AustinDallasSan AntonioHoustonSouthlake, and other cities that we serve throughout TexasWe also offer insurance coverage for directors & officersworkers’ compensationcyber liabilitycommercial risk management service, and client advocacy. When you need our help, give Tower Street Insurance a call at 972-472-2040 or click here to make an appointment today. 

Client Advocacy

Financial Growth Icon


Experience Icon

Collective Years of Experience

Umbrella Icon

Written Policies

Retention Icon

Retention Role

Reviews from Our Satisfied Customers

I love Tower Street and receive the best service from them! They are reliable, caring, and always supportive. Can’t recommend them enough!

- Abby

Chris is a great insurance advisor. He has extensive knowledge of markets, coverages, and risk. I highly recommend him. I wish I had more business to send him.

- Larry

Hear From Customers We've Helped

How Tower Street saved Josh 500k
Hear How Tower Street Saved Josh $500k

Top Carriers We Carry on Personal & Commercial Lines:

See the Full List of Carriers We Offer