Commercial Umbrella Coverage When a Claim Exceeds Your Limits
A catastrophic truss failure, a severe auto wreck with a loaded flatbed, or a multi-claim injury year — any of these can blow past your primary limits. An umbrella sits above your GL, auto and employers' liability to keep a catastrophic loss from sinking the company.
Truss manufacturing concentrates several severe exposures in one operation: a structural product that can fail years later, heavy trucks on public roads, a manufacturing floor with serious injury hazards, and significant property values. A single catastrophic event — a major product failure affecting multiple homes, a fatal auto accident involving a loaded boom truck, or a large fire — can exhaust your $1M or $2M primary limits and keep going.
A commercial umbrella (or excess liability) policy sits above your underlying general liability, auto liability, and employers' liability, paying once those limits are exhausted. It's the most cost-effective way to protect the company you've built from a low-frequency, high-severity event.
We help you model how much umbrella you actually need — based on your product volume, fleet, payroll and the structures your trusses go into — and place it with carriers that drop down cleanly when a primary limit is exhausted.
What it covers
Excess over general liability
Pays above your products/completed-operations and GL limits when a major product failure or premises claim exhausts the primary.
Excess over auto liability
Extends above your commercial auto liability for a severe truck or boom-truck incident on the road or on a jobsite.
Excess over employers' liability
Sits above the employers' liability portion of your workers' comp for catastrophic employee-injury litigation.
Broadened coverage & drop-down
Where structured, the umbrella can broaden coverage or drop down to fill a gap if a primary carrier denies a claim that the umbrella still covers.
Limits sized to your exposure
From $2M up to $10M+, scaled to the real catastrophic potential of your product, fleet and operation.
Built for operations like yours
This coverage is structured for the plants that design, fabricate and ship engineered wood components — and it's placed by an agency that knows the floor.
- Any truss plant whose primary limits could be exhausted by one severe event
- Manufacturers shipping high volumes of structural product
- Operations running a delivery fleet on public roads
- Companies protecting owners' personal and business assets
Why place it with CCA?
We size the umbrella to real exposure
We model the catastrophic potential of your product, fleet and payroll instead of defaulting to an arbitrary $1M or $2M — so you carry the limit that actually protects you.
Carriers that drop down cleanly
We place umbrellas with carriers whose forms respond well when a primary limit is exhausted or a gap appears, so the coverage you think you have is the coverage you get.
Coordinated with your whole program
Your umbrella only works if it sits cleanly above the underlying GL, auto and comp. We structure the whole stack together so there are no gaps between layers.
Commercial Umbrella — your questions
It depends on your product volume, fleet exposure, payroll and the size of the structures your trusses go into. Many plants carry $2M–$5M above a $1M–$2M primary; larger operations go higher. We model the catastrophic scenarios specific to your plant to set the right number.
Ready to structure this coverage?
Get a commercial umbrella quote in about 15 minutes — no obligation.
Insure the whole plant, not just one line.
Bundle this with the rest of your program — product liability, workers' comp, equipment and auto — structured around how you actually run.
Licensed in all 50 states · 2-hour claims response · 15-minute quote turnaround