Commercial umbrella insurance in South Carolina when a million isn’t enough

Your Safety Net Above Base Policies

Extra protection for high-severity claims
A single lawsuit can rise above your primary limits. Commercial umbrella insurance adds an extra layer—often in $1M increments—over your general liability insurance, commercial auto insurance, and employers liability. From busy dining rooms on Main Street Greenville to contracting crews in Greer, The Sullivan Agency helps South Carolina businesses meet contract requirements and protect assets without overpaying for piecemeal increases.

How an Umbrella Responds

 When a claim pierces your limits

Example: Your GL carries a $1M occurrence limit. A visitor injury results in a $1.6M judgment. After GL pays the first $1M, your umbrella can respond to the remaining $600k (subject to terms). We’ll confirm required underlying limits so the umbrella sits correctly and review exclusions that may need separate solutions (like E&O).

Who Benefits Most

Higher foot traffic, fleets, or hazardous operations

If you operate multiple locations, run delivery vehicles, serve alcohol, or manage large crews, umbrella limits offer big value for the dollar. Growing firms often start with $1–$2M and scale to $5M+ as contracts and exposures increase. We’ll right-size limits and coordinate with workers’ comp considerations for employer’s liability.

Questions SC owners ask

  • Does an umbrella cover what GL excludes?

    Generally, no. It follows underlying forms. We’ll outline any gaps that need dedicated policies.

  • Can one umbrella sit over multiple entities?

    Often yes, with proper scheduling. We’ll structure it across your organization.

  • Is an umbrella expensive?

    Typically, it’s the most cost-effective way to add millions in protection.