Commercial Umbrella Insurance in Temple, Texas

What Is Commercial Umbrella Insurance?

Commercial umbrella insurance provides additional liability coverage above the limits of your primary business policies—general liability, commercial auto, and employers liability. When a catastrophic claim exceeds your underlying policy limits, umbrella coverage pays the excess, protecting your business assets from devastating judgments. For Temple businesses facing significant liability exposure, umbrella coverage is essential risk management.

Winkler Insurance helps Central Texas businesses add affordable umbrella coverage that extends protection by $1 million or more.

Why Temple Businesses Need Commercial Umbrella Insurance

Standard policy limits aren't always enough. Here's why umbrella coverage matters:

• Lawsuits can exceed your limits. A serious auto accident or injury claim can easily exceed $1 million.


• Legal defense is expensive. Umbrella policies often pay defense costs in addition to—not within—policy limits.


• Business assets are at stake. Without adequate coverage, plaintiffs can go after your business assets and future income.


• Coverage is affordable. A $1 million umbrella policy often costs just $500 to $1,500 annually.


• Contracts may require it. Large clients and government contracts often require umbrella coverage.

What Does Commercial Umbrella Insurance Cover?

A commercial umbrella policy extends coverage over your underlying policies:

Excess General Liability
Pays claims that exceed your general liability limits after a customer injury, property damage, or advertising claim.

Excess Auto Liability
Covers amounts above your commercial auto limits after a serious vehicle accident.

Excess Employers Liability
Extends coverage beyond your workers compensation employers liability limits.

Broader Coverage
Some umbrella policies cover claims excluded by underlying policies, such as personal injury or worldwide coverage.

Defense Costs
Many umbrella policies pay legal defense costs separately from the coverage limit.

Commercial Umbrella vs. Excess Liability Insurance

These terms are often confused. Umbrella policies typically provide broader coverage and may cover claims excluded by underlying policies. Excess liability policies follow the exact same terms as your underlying coverage without broadening protection. Winkler Insurance helps Temple businesses understand which option fits their needs.

How Much Does Commercial Umbrella Insurance Cost in Texas?

Umbrella premiums depend on your industry, underlying coverage limits, and risk profile. Most Temple businesses pay $500 to $2,000 annually for $1 million in umbrella coverage. Additional millions typically add $300 to $500 per million. High-risk businesses like construction or transportation pay more. Winkler Insurance shops multiple carriers to find competitive umbrella rates.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas businesses protect their assets with commercial umbrella coverage. As an independent agency, we find umbrella policies that coordinate properly with your underlying coverages. Our Temple agents help you determine appropriate umbrella limits based on your exposure and assets.

Get a Commercial Umbrella Insurance Quote in Temple, Texas

Our commercial umbrella insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.