Small Business Umbrella Insurance – Online Quote, Bind, & Issue

Overview of the Program from Great Point Insurance

Great Point Insurance's Small Business Umbrella program gives agents a quick, straightforward way to place excess liability for small and mid-sized commercial accounts. Our Insurance One & Done® e-commerce platform guides you through a self-directed transaction so you can quote, bind, issue, and invoice in a single session. The platform delivers instant pricing and streamlined documentation to reduce turn times and back-and-forth with underwriters.

Ideal Accounts and Appetite

This program targets low-to-moderate hazard commercial accounts across multiple industry niches. Our six exclusive programs focus on Restaurant/Service, Construction Trades, Manufacturing, Wholesale Distributor, Retail, and Real Estate, but we accept hundreds of other eligible classes.

Coverage Highlights and Advantages

• Instant online quoting and binding through www.UmbrellaPro.com and our Insurance One & Done® e-commerce flow.
• Admitted, “A”-rated paper—suitable for agents needing admitted placements where available.
• No shared limits and follow-form coverages for Auto and Liquor where applicable, reducing gaps between primary and umbrella layers.
• Competitive limits to support client growth and larger operations.

Underwriting Notes and Minimum Requirements

Underwriting is class- and risk-specific. Typical considerations include the insured’s operations, loss history, payroll/revenue size, and the limits of underlying primary liability and auto policies. The program is designed for accounts with routine exposures; higher-hazard accounts or those with recent severe losses may require referral or be ineligible.

Please submit complete underlying policy information and loss runs for accurate, instant pricing. If an account falls outside automated guidelines, our underwriting team will review and respond quickly.

Territories and Availability

The program is available in the following jurisdictions:

AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY

State-specific filings and admitted availability may vary; the platform will indicate applicability during quote entry.

Why Work with Great Point Insurance on This Program

• Fast, self-service quoting and issuance to help you close business quickly.
• Program administration expertise across targeted industries—underwriters who understand small business exposures.
• Admitted capacity and policy forms that make the placement easier for clients that require admitted coverage.
• Dedicated support for agents who need quick answers or have referrals outside the e-commerce flow.

Example Accounts That Fit Well

You might have a neighborhood restaurant with moderate liquor exposure that needs a clean excess layer and prefers admitted paper — this program can provide quick, follow-form auto and liquor coverage. Or you might place a small contractor (carpenters/electricians) with standard GL and auto limits who needs $5M–$10M umbrella protection without a long underwriting delay.

To quote, bind, issue, and invoice today, use the online platform or reach out to our underwriting team for assistance. We will provide you and your client with instant pricing and documentation.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.