--- title: Texas Commercial Umbrella Insurance | TWFG Insurance Services in The Woodlands, Texas description: Commercial umbrella insurance protects your assets by going above and beyond your other policies. Jenkins Insurance offers commercial and business insurance. Serving The Woodlands and all of Texas. --- # Commercial Umbrella Insurance ## from Jenkins Insurance * * * ## Commercial Umbrella Insurance A commercial umbrella policy protects you when a catastrophe results in losses that exceed your basic liability coverage. In some cases, it can even broaden your protection. For businesses with above-average risk exposure (high loss potential, high-profile, a global presence, etc.), higher coverage limits may be necessary. In those cases, excess liability coverage can provide extra coverage above and beyond an umbrella policy. Examples where a commercial umbrella policy might be needed can include: - A customer falls down in your office, severely injuring themselves in the process. The costs of the injuries exceed the coverage of your general liability policy. - An advertisement your business placed is deemed misleading, and subject to a class-action lawsuit that exceeds your primary business liability. - An employee is injured while operating a piece of heavy equipment on the job. They sue the equipment manufacturer, who in turn sues you for an amount that exceeds your business liability coverage. If you’re not sure about whether you need umbrella insurance, we can help. [Contact us](/contact) today to speak to our professionals and find out whether umbrella insurance is right for your business. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/business-insurance/commercial-umbrella-insurance/quote) ## Insurance Partners [Allstate — Chubb — Foremost — Genworth — Hagerty — Hartford — Liberty Mutual — National General — Nationwide — Philadelphia Insurance — Progressive — Safeco — Stillwater Insurance Group — Transamerica — Travelers — Atlas General — Principal — Prudential — USLI — Wellington — Wright Flood — Zurich — American Risk — GEICO — Elephant — Allied Trust — SURE — SafePort — Twico — Universal North America — Homeowners of America — Jewelers Mutual — AIG Private Client — PURE — Texas Windstorm — Texas Fair Plan — Swyftt — Occidental Fire & Casualty Insurance — FEMA](/insurance-companies) ## Connect Online - [Facebook](https://www.facebook.com/JenkinsInsuranceTWFG/) - [LinkedIn](https://www.linkedin.com/in/chris-jenkins-74991bb/) ## Get Your Free Commercial Umbrella Insurance Insurance Quote [Start Here](/business-insurance/commercial-umbrella-insurance/quote) ## From Our Blog [**How to Protect Business Equipment That Travels Off-Site** — Many businesses rely on equipment that does not stay in one location. Contractors transport tools between job sites, photographers carry expensive cameras, technicians travel with specialized equipment, and businesses may regularly move computers, machinery, or other property. — Once equipment… — Sep 3](/blog/2026/how-to-protect-business-equipment-that-travels-off-site) [**What to Consider Before Installing a Home EV Charger** — Charging an electric vehicle at home can make ownership more convenient, but installing a home EV charger involves more than simply mounting equipment in the garage. Electrical capacity, charger type, installation location, local requirements, and long-term use should all be considered before work… — Sep 3](/blog/2026/what-to-consider-before-installing-a-home-ev-charger) [**How to Protect Your Home During a Power Outage** — Power outages can happen with little or no warning and may last anywhere from a few minutes to several hours or longer. While most outages are temporary inconveniences, they can also create risks for appliances, electronics, food, plumbing, and other parts of your home. — A little preparation can… — Aug 27](/blog/2026/how-to-protect-your-home-during-a-power-outage) [View all articles](/blog) ```json {"@context":"https://schema.org","@graph":[{"@type":"Service","@id":"https://www.twfgthewoodlands.com/business-insurance/commercial-umbrella#service","url":"https://www.twfgthewoodlands.com/business-insurance/commercial-umbrella","name":"Commercial Umbrella Insurance","serviceType":"Commercial Umbrella Insurance","description":"Commercial Umbrella Insurance quotes from multiple insurance companies in Texas.","provider":{"@id":"https://www.twfgthewoodlands.com/#organization"},"areaServed":[{"@type":"City","name":"The Woodlands","address":{"@type":"PostalAddress","addressLocality":"The Woodlands","addressRegion":"Texas"}},{"@type":"State","name":"Texas"},{"@type":"City","name":"Magnolia","address":{"@type":"PostalAddress","addressLocality":"Magnolia","addressRegion":"TX"},"sameAs":"https://en.wikipedia.org/wiki/Magnolia,_Texas"},"Montgomery County, Texas","Houston Metro"],"image":{"@type":"ImageObject","@id":"https://www.twfgthewoodlands.com/business-insurance/commercial-umbrella#image","url":"https://webtricity-assets-2.wbtcdn.com/beae1f8d-5032-4bcc-9d07-b441ba515c8f/images/upload/pexels-tima-miroshnichenko-5717315-1170x780.8b6889bb9c9c4f42fcc3a4aa4f17dd90f79ba4e2ff4572d93d97330b08b7c310.jpg","width":1170,"height":780}},{"@type":"Organization","@id":"https://www.twfgthewoodlands.com/#organization","url":"https://www.twfgthewoodlands.com/","name":"Jenkins Insurance"},{"@type":"WebPage","@id":"https://www.twfgthewoodlands.com/#webpage","url":"https://www.twfgthewoodlands.com/","name":"Texas Commercial Umbrella Insurance | TWFG Insurance Services in The Woodlands, Texas","description":"Commercial umbrella insurance protects your assets by going above and beyond your other policies. 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