Commercial Umbrella Insurance
Commercial umbrella insurance extends your primary liability limits. For wrap shops with high-value vehicles in their care or large fleet contracts, an umbrella provides the higher limits a single serious claim — or a client contract — can demand.
Commercial Umbrella for Wrap Installers
A serious claim — a damaged exotic vehicle, an injury at your shop, or a defective fleet job — can exceed a $1M primary limit. A commercial umbrella sits on top of your general liability, garagekeepers, commercial auto, and employer liability policies and provides additional limits when the underlying coverage is exhausted.
For wrap shops, umbrella limits matter most when you handle high-value vehicles or pursue large fleet and commercial contracts that require $2M, $3M, or $5M in combined liability. Rather than raising each underlying limit individually, an umbrella layers excess capacity across all of them at once — the most cost-effective way to reach the limits modern contracts demand.
How It Works
1. Your GL or garagekeepers pays up to its limit (for example, $1,000,000). 2. A serious claim produces a $2,500,000 loss. 3. The umbrella picks up the remaining $1,500,000 over your primary policy.
What's Covered
Frequently Asked Questions
Many do — especially shops wrapping high-value vehicles or chasing fleet and commercial accounts that require $2M+ in combined liability. A single serious vehicle-damage or injury claim can exceed primary limits, and an umbrella is the cheapest way to reach higher limits.
It can. We structure the umbrella to provide excess limits over your garagekeepers, general liability, and commercial auto policies, so a large customer-vehicle or liability claim has additional capacity above the primary policy limits.