Commercial Umbrella Insurance for Vermont Businesses

Why umbrellas matter

Extra protection when claims get big

A commercial umbrella adds a layer of liability above your general liability, commercial auto and employer's liability where applicable. It steps in after underlying limits are exhausted to cover large judgments or settlements. For contractors, retailers, farms and fleets across Northern Vermont, an umbrella can protect years of work. Hull Insurance Agency makes it simple to add this layer to your program.

Who should consider higher limits

Local profiles that benefit

 Contractors working busy jobsites in St. Albans or Milton and Georgia with multiple subs.

 Retailers and restaurants with steady foot traffic and parking lots through winter.

 Farms that host visitors, U-pick events or seasonal markets around Franklin County.

 Any organization with vehicles on the road, from delivery vans to plow trucks in Newport.

Limits and requirements

How umbrellas are structured

Common umbrella limits start at 1 million and can climb to 5 million or more. Carriers require minimum underlying limits on GL, auto and employers liability before the umbrella applies. We verify forms and exclusions so there are no gaps between layers. If you need higher limits for contracts, we will explore excess towers with multiple carriers.

What umbrellas do not cover

Know the boundaries

 Umbrellas do not extend professional liability, management liability or cyber unless specifically scheduled by the carrier. Those lines are placed with separate policies that can sit alongside your umbrella. We will map each exposure and recommend the right mix. Clear documentation helps with contracts and certificates.

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Questions Vermont owners ask

  • Does an umbrella cover professional mistakes

    No. Professional liability or errors and omissions is separate. We can quote that for consultants, tech services and trades that need design coverage. Your umbrella will not replace it.

  • Is an umbrella expensive

    It is often cost-effective per million of protection. Pricing depends on revenue, payroll, fleet size and loss history. Many Franklin County businesses add a layer for a modest premium. We will show options side by side.

  • Will it follow me to other states

    Umbrellas are designed to follow your scheduled underlying policies. If you work near the New York or New Hampshire line, tell us where crews travel. We confirm territory and auto filings where needed.

  • Can I add it mid-term

    Yes in many cases. We align effective dates and verify underlying limits first. If contracts require higher limits next month, we can move quickly. Certificates will reflect the new total limits.

  • What if I only need it for one project

    Some carriers allow project-specific umbrellas or excess for a set period. We can also place higher limits for the term of a contract. Bring the bid specs and we will match the requirements. Fast turnaround keeps you bidding.