Commercial Umbrella
Extra limits above your primary policies for the contracts that demand it.
Why Cargova
Same coverage. Different outcome.
We work the file by hand
An agent picks which markets see your submission. On a hard file that's most of the outcome.
We tell you when to walk
If this isn't the coverage you need, you'll hear that before you hear a price.
We stay after the bind
Filings, certificates, renewals — the same agent, not a queue.
In short
What a commercial umbrella is.
Sits on top of your underlying liability policies and extends the limit. Larger shippers frequently make it a condition of doing business.
Limits, deductibles and exclusions depend on your operation and the carrier writing it.
Scope
Generally in, generally out.
A rough map. Your policy wording governs — ask your agent about anything here.
Typically addressed
- Additional limit above auto and general liability
- Defence costs once the underlying limit is exhausted
Typically not
- Any line not scheduled underneath it
- Losses below the underlying limit
Free · No obligation
Quote my umbrella
Four fields. A licensed agent reviews it and calls you back — no auto-quote, no bot pricing.
Umbrella questions
Do I need one?
If a contract requires limits above what your primary policies carry, yes. Otherwise it is a judgement call about exposure.