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 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.
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
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.
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.
With UCI, you gain a trusted insurance partner who understands construction and helps you maintain protection that grows with your business.
Verticals
Each vertical has its own loss profile, carrier appetite, and contract language. We staff the practice accordingly, for a wide range of contractor types across all 47 states, including:
01
GCs hold the master policy and carry the risk for work their subcontractors perform, not just their own crews. Coverage has to account for subs, completed work, and owner contract terms.
02
Solar and wind projects bring high equipment values and electrical work that many carriers are still cautious about. As a newer class, it needs coverage that keeps pace.
03
HVAC, plumbing, and electrical trades face fire from hot work and water damage from failed connections. Each one needs coverage matched to how the trade actually operates.
04
Roofing is one of the toughest classes to insure. Height, torch-down heat, and weather drive up claims, and many carriers cap limits low or decline the work.
05
Concrete, formwork, and structural steel carry heavy-equipment risk during the job and long-tail liability after. A frame that fails years later can still trace back to the contractor.
06
Water, fire, and mold work runs into pollution and mold claims that standard policies routinely exclude. This vertical needs environmental coverage written for the specific hazards involved.
07
Glazing, drywall, painting, flooring, and other niche trades each carry their own loss profile and carrier appetite. Coverage gets matched to the trade instead of forced into a generic policy.
Our experts specialize in developing insurance solutions for contractors across all construction sectors, addressing your specific industry and operational challenges.
We offer comprehensive contractor insurance coverage across all 50 states with a deep understanding of local regulations, union requirements, and regional construction practices.
We’ve helped professionals across the industry protect their businesses without the headaches of overpriced or confusing policies.
When your projects grow, your protection should grow with them. UCI helps you secure umbrella insurance that fits your contracts and safeguards your success.
