https://completemarkets.com/company/a-i-bnet/Commercial-Umbrella/
Commercial Umbrella Insurance Program from America's Internet Brokers, Inc.
America's Internet Brokers, Inc. offers a flexible and competitive Commercial Umbrella insurance program designed to help agents and brokers secure excess liability coverage for a broad range of business clients. This exclusive program gives you access to top-rated carriers including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich, giving you the tools to build tailored solutions for your insureds with complex or growing liability needs.
Ideal Accounts and Appetite
This program is designed for small to mid-sized businesses with up to $25 million in annual revenue. It is a strong fit for clients seeking additional liability protection beyond their primary General Liability, Auto Liability, and Employers Liability policies. Eligible classes include:
Retail and wholesale businesses
Contractors and construction-related firms
Light to medium manufacturing
Distributors with domestic and limited foreign sales
Service providers with fleet exposures
Example: You might have a contractor client with a modest fleet of vehicles and growing contracts who needs an additional $5 million in coverage above their existing liability policies. This program can help you place that risk efficiently.
Coverage Highlights and Advantages
Umbrella limits available from $1,000,000 to $10,000,000
Fleets up to 499 vehicles, including up to 49 Heavy or Extra Heavy trucks, are eligible
Accepts up to 49% of revenue from foreign sales (operations must be domestic)
Accounts with stable revenues (growth or decline under 30% over three years)
Eligible accounts must not have liability losses exceeding $100,000 in any of the past 5 years
Accepts underlying carriers rated “A-VII” or better; New York State Fund and select other state funds are allowed
Umbrella effective date can be up to 60 days in the future
Underwriting Notes and Timing
To qualify, the underlying General Liability policy must have an effective date within 60 days of the proposed Umbrella effective date. For Auto Liability and Employers Liability, the underlying policies must be effective within six months of the Umbrella policy.
Agents should ensure the accounts are domiciled in states other than AK, HI, LA, VA, VT, or WV, which are excluded from this program.
Territories and Availability
This program is available in most states, including but not limited to AZ, CA, CO, CT, FL, GA, IL, MA, MI, NJ, NY, NC, OH, PA, TX, and WA. Please note that it is not available in AK, HI, LA, VA, VT, or WV.
Why Work With America's Internet Brokers, Inc.?
America's Internet Brokers, Inc. brings deep experience and access to top-tier markets for excess and surplus lines. Their streamlined submission process and strong carrier relationships allow you to move quickly and find coverage options that meet your clients' risk tolerance and liability needs. Whether you're working with a growing construction company or a multi-state distributor, their program offers the flexibility and underwriting insight to help you close the deal.
Frequently Asked Questions
What types of accounts are a good fit for this Commercial Umbrella program?Accounts with up to $25 million in annual revenue, stable financials, and minimal liability losses are ideal. This includes contractors, manufacturers, fleet operators, and service businesses.
Are there restrictions based on the insured’s location?Yes, the insured must be domiciled in a state other than AK, HI, LA, VA, VT, or WV. The program is available in most other states.
What underlying coverage is required?Underlying General Liability coverage must be effective within 60 days of the Umbrella policy. Auto Liability and Employers Liability must be effective within six months. Carriers must be rated “A-VII” or better.
Can this program accommodate foreign sales?Yes, up to 49% of the insured’s revenue can come from foreign sales, as long as all operations are based in the U.S.
What vehicle exposures can be included?The program allows fleets with up to 499 vehicles, including up to 49 Heavy or Extra Heavy trucks.
Need help placing an account? Connect with a market specialist.