Why Contractors and Trades Need Commercial Umbrella Insurance in WA, FL, TX, ID & AZ
Contractors and service professionals face unique liability risks every day—on job sites, in customer homes, and while transporting materials. One unexpected accident, injury, or legal claim could cost your business more than your standard policy limits can handle.
That’s why a commercial umbrella insurance policy is a smart, affordable way to protect your contracting business in Washington, Florida, Texas, Idaho, and Arizona.
At Insurance Alliance, we specialize in helping contractors and tradespeople get the right coverage to stay protected—no matter how big the job.
Why Contractors Are at Higher Risk
Whether you're a general contractor, plumber, electrician, landscaper, HVAC technician, or painter, you take on risk every time you:
- Enter a client’s property
- Operate heavy machinery
- Hire subcontractors or laborers
- Drive a company vehicle
- Handle dangerous tools or materials
While general liability and commercial auto insurance offer some protection, lawsuits and claims can easily exceed those limits—especially with rising medical costs and legal settlements.
How Commercial Umbrella Insurance Helps
A commercial umbrella policy provides $1 million or more in additional liability protection beyond your existing:
- General liability (injury or property damage caused by your work)
- Commercial auto liability (accidents involving company vehicles)
- Employer’s liability (injuries to employees not covered by workers’ comp)
Example:
A subcontractor falls through a roof you’re repairing in Arizona and sues for $2 million in damages. Your general liability covers $1 million. Your umbrella policy covers the rest—so your business doesn’t have to.
Real Risks Across the States We Serve
- Washington: A landscaping tool damages a customer’s underground utilities, leading to a lawsuit.
- Florida: A construction site accident results in injuries to pedestrians outside the job zone.
- Texas: A faulty installation causes a fire, and your business is sued for structural damages.
- Idaho: A snow removal company damages a client’s property while plowing.
- Arizona: An HVAC technician causes water damage in a luxury home.
In all these cases, commercial umbrella insurance ensures your business doesn’t absorb the excess liability.
Why Umbrella Coverage Is So Cost-Effective
Premiums for a $1 million umbrella policy can start as low as $500–$1,500 per year, depending on your trade, location, and risk factors. For that price, you're protecting:
- Tools, trucks, and equipment
- Your company’s reputation and contracts
- Future earnings and growth potential
Why Work With Insurance Alliance?
We serve contractors and small business owners in WA, FL, TX, ID, and AZ with:
- Customized umbrella policy quotes
- Risk assessments tailored to your trade
- Access to top-rated insurance carriers
- Advice on combining umbrella with other business policies
Whether you're just starting out or managing multiple crews, we’ll find a policy that fits your budget and liability needs.
Protect Your Business from High-Dollar Claims
Don’t let one job site injury or accident cost you your livelihood. Get the added protection your contracting business needs with commercial umbrella insurance from Insurance Alliance.
Request your quote today.
