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Umbrella Insurance Policies for Seasoned Contractors
Expanded Insurance Protection for Veteran Construction Businesses
A single large claim can exceed your general liability or auto policy limits. UCI provides umbrella policies that add an extra layer of protection for established contractors.
Our advisors help you extend your coverage so you can focus on building with confidence, knowing your business is protected from major losses.
Umbrella Insurance for Contractors: What It Covers and Why It Matters
Umbrella insurance increases your liability protection beyond the limits of your existing policies. It supports your business in rare but costly situations that could otherwise threaten your operations or financial stability.
Coverage may include:
Third-party injury or property-damage claims that exceed base policy limits
High-cost legal expenses from lawsuits or settlements
Multi-claim incidents involving several projects or vehicles
Contractually required liability limits for commercial or public contracts
Additional coverage for multi-state or large-scale operations
Having umbrella insurance ensures your business remains protected when your primary coverage reaches its limit.
Umbrella Insurance for Contractors with Expanded Liability Needs
This coverage is ideal for contractors who manage substantial projects or work under demanding contract requirements, including:
General contractors and homebuilders with multi-million-dollar jobs
Firms working with multiple subcontractors or complex project scopes
Companies operating across several states
Contractors bidding on government or commercial projects requiring higher limits
Businesses wanting additional protection beyond general liability and auto coverage
Our advisors can help you understand the right coverage levels for your contracts and overall exposure.
Strategic Insurance Protection That Strengthens Your Program
UCI takes a consultative approach to umbrella coverage. We help you coordinate your existing policies so your protection extends smoothly across every layer of liability.
Why leading contractors choose UCI
- High-limit umbrella options tailored to your operations
- Guidance on meeting client, lender, or bid requirements
- Streamlined policy alignment with general liability and auto coverage
- Dedicated support for managing large or complex claims
With UCI, you gain a trusted insurance partner who understands construction and helps you maintain protection that grows with your business.
Construction Industries We Serve
We insure a wide range of contractor types across all 50 states, including:
General Contracting
Roofers
Builders
Solar
Concrete
Carpenters
Restoration
Excavation & Demolition
HVAC
Plumbers
Electricians
Other Trades
Don't See Your Specialty?
Our experts specialize in developing insurance solutions for contractors across all construction sectors, addressing your specific industry and operational challenges.
National Reach, Local Expertise
We offer comprehensive contractor insurance coverage across all 50 states with a deep understanding of local regulations, union requirements, and regional construction practices.
Find Contractor Insurance by Region
What Other Contractors are Saying
We’ve helped professionals across the industry protect their businesses without the headaches of overpriced or confusing policies.
These guys were great, they got me exactly what I needed for my business and it only took a few minutes, and they were able to get me a great price that didn’t break the bank. I would recommend Unlimited Contractors Insurance to any construction company out there. They know the industry so they know exactly what you need.
We were impressed with the prompt, professional support in securing our business insurance. Our needs were clearly understood, and the process was smooth and efficient. Highly recommended for reliable insurance assistance.
I've had an outstanding experience with this insurance company! From the very beginning, my agent Joe was professional, knowledgeable, and genuinely helpful. They took the time to explain my options clearly and made sure I had the coverage that best suited my needs. Whenever I’ve had questions or needed support, they’ve been quick to respond and incredibly easy to work with. It’s refreshing to deal with a company that truly values its customers. I highly recommend them to anyone looking for reliable and personalized insurance service!
Ron Allred was great to work with! He was able to get me the best rate even after calling 3 other companies. Unlimited Contractors Insurance (UCI) was easy to work with and were able to get the exact policy I needed for my business. I recommend UCI to other Contractors looking for their insurance needs.
I was shopping around for a general liability policy for my roofing company when I was referred to Unlimited Contractors Insurance. I was very impressed with the way the agent explained the policy to me and how different types of policies work and the coverage restrictions some have. After having an excellent experience over the phone he sent the pricing and docusign. I was also impressed with their very competitive pricing, so I went ahead and got the policy. If you are a roofer specifically, I would highly recommend them.
After speaking with more than a dozen insurance companies I was directed to Ron who found a way to get me insured the same day. Ron helping me through my first commercial insurance purchase allowed me the ability to get my first job completed on time.
Shawn at Unlimited Contractors Insurance understood our insurance needs and quickly got us a quote for a policy that met our needs. It was a breath of fresh air to speak with someone so knowledgeable about our business. Thank you Unlimited Contractors Insurance!
Expand Your Coverage with Confidence
When your projects grow, your protection should grow with them. UCI helps you secure umbrella insurance that fits your contracts and safeguards your success.