Do you own more than one location and have employees, or have trucks, autos and one or more locations? With an Umbrella of liability coverage you share the limit covering all your commercial vehicles, workers compensation, and commercial property(s) whether leased, rented or owned, with one single limit. This saves on premium, and in some cases allows for broader terms than what can be found in the lower limited policy (what is called a primary policy). Excess or umbrella coverage is for the catastrophic loss that may come about as a result of your business. What may keep you awake at night, is the risk of loss that we should be prepared for and have coverage in your umbrella liability insurance policy.