Commercial Umbrella Insurance in Texas

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Stronger Protection for Your Business

Texas businesses face risks every day, from accidents to lawsuits. Even if you already carry general liability, commercial auto, or workers’ comp, a major claim can exceed your policy limits. Commercial Umbrella Insurance provides additional liability protection, ensuring your business assets are safeguarded when standard policies fall short.

What Commercial Umbrella Insurance Covers

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Excess Liability Protection

Extends limits on your existing business liability policies, including general liability and auto.

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Legal Defense Costs

Covers attorney fees, settlements, and court costs beyond your base coverage.

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Catastrophic Claims

Protects your business from high-cost events like severe injuries or multiple lawsuits.

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Coverage Across Policies

Bridges gaps by sitting on top of general liability, commercial auto, and employer’s liability coverage.

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Peace of Mind for Contracts

Helps meet higher liability limits often required by contracts, landlords, or clients.

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Why Choose DFG Insurance Solutions

At DFG, we understand that Texas businesses can’t afford to leave liability exposure unchecked. That’s why we:

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Customize umbrella limits to match your business risks and industry.

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Partner with multiple top-rated carriers to keep coverage affordable.

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Deliver fast certificates so you can secure contracts without delays.

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Guide you with honest, straightforward advice on how much coverage you need.

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Stay accessible — direct contact with Dee and her team, no call centers.

Let’s Clear the Confusion

Common Questions About Commercial Umbrella Insurance

  • Do all Texas businesses need a commercial umbrella policy?

    Not all, but any business with significant assets, contracts, or high liability exposure benefits greatly. Contractors, towing companies, and growing businesses often need this extra layer.

  • How does a commercial umbrella work with existing policies?

    It sits on top of your general liability, commercial auto, and workers’ comp employer’s liability coverage, extending limits when claims exceed your base policies.

  • What are typical coverage limits for business umbrellas?

    Most policies start at $1 million and can go much higher. The right limit depends on your industry, contract requirements, and risk exposure.

  • Is umbrella insurance expensive for businesses?

    No. Compared to the protection it provides, commercial umbrella policies are often cost-effective, especially when bundled with other business coverages.

  • Can umbrella insurance help me win contracts?

    Yes. Many contracts require higher liability limits than standard policies provide. An umbrella policy ensures you meet those requirements and stay competitive.

Protect Your Business Beyond the Basics

Don’t let a single lawsuit or accident put your company at risk. At DFG Insurance Solutions, we’ll build a commercial umbrella policy that safeguards your hard work and keeps your business strong.

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