Your Business
Commercial Umbrella Gap
An umbrella only sits above the policies it schedules. See which of your liability lines it really covers.
Calibrate
Drag to set each value — estimates are fine.
The most common figure is $1,000,000 per occurrence.
Leave at zero if the business owns no vehicles.
Part B of the workers' compensation policy — the part an umbrella can sit above.
Leave at zero if there is no umbrella.
Listed on the umbrella's schedule of underlying insurance. An unscheduled policy has no umbrella above it.
Tick this if you have not seen the schedule of underlying insurance. The towers below are then shown on their underlying limits alone until it is confirmed, rather than reporting a line as unscheduled.
Sets the illustrative severe-claim figure the tower is measured against.
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- General liability limit (per occurrence)
- Commercial auto liability limit
- Employers' liability limit
- Umbrella limit
- Which policies does the umbrella sit above?
- I am not sure which policies the umbrella lists
- How severe could a claim against you be?
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.