Skip to Main Content

Commercial Umbrella Program

Want to enhance your underwriting flexibility?

Whether you're a small, medium, or large insurer, you can extend your customers’ liability coverages with the ISO Commercial Umbrella Program.

Go above and beyond for customers who need higher limits

Commercial Umbrella

Go above and beyond for customers who need higher limits

Designed for use over the ISO Commercial General Liability (CGL) and ISO Commercial Auto policies, the ISO Commercial Umbrella Program includes policy forms, endorsements, and rules. The program also works over the ISO Businessowners (BOP) program. The ISO Commercial Umbrella Program offers your customers:

  • Excess coverage over the underlying policy's limits (for when a claim is for an amount greater than the underlying policy's limits)
  • "Drop-down" coverage (for when prior claims have exhausted the underlying policy's limits)
  • Broader coverage than that provided by the underlying policy (for coverage not provided by underlying policies)

Drive your commercial underwriting forward with:

Commercial Umbrella Program

Drive your commercial underwriting forward with:

  • Standardized policy-contract language that comes from existing forms
  • Updates in response to insurance case law, legislative, and regulatory changes
  • Revisions in response to our filed CGL or commercial auto changes that affect the program

Expand your business, enjoy savings

If you don't have your own commercial umbrella forms and rules, you can expand your business with the ISO Commercial Umbrella Program. And if you already maintain your own forms for commercial umbrella, you can enjoy substantial savings by using our program.

A force multiplier for your insurance business

Insurance Consulting

A force multiplier for your insurance business

Looking for best-in-class actuarial support? Need help implementing an ISO Insurance Policy Program? Want to launch new products or gain deeper insights into the competitive environment? Verisk's insurance consultants can help.

By harnessing our world-class actuaries, coverage experts, and unrivaled data and analytics, our team can help you address a range of strategic, actuarial, and product development challenges.

Additional insights

Physdam Inflation Teaser

Pricing physical damage for commercial auto in an era of inflation

The rising cost of physical damage claims has auto insurers asking questions about premium adequacy.

Read the article
Non Standard Auto Teaser

Do you have the right tools to assess the nonstandard auto market?

There’s a serious need for actuarial insights focused specifically on the highly competitive market of non-standard auto insurance.

Read the article
El Drought Teaser

How one "mega drought" strains clean energy sources

Exploring the implications of the drought in the Western United States and its potential impact on the U.S. power grid.

Read the article

Contact Us to Learn More

Other Ways to Connect

We are available Monday through Friday, 7 a.m. — 8 p.m. US Eastern Time:

  • Chat Now

    Note that password resets and user information are not available through Live Chat or Email. Instead, please call the main toll-free number below.

  • Main Toll-Free: 1-800-888-4476

  • Global Toll-Free: International Access code, then 800 48977489
    When calling from the UK, please dial 00 800 4897 7489

You will soon be redirected to the 3E website. If the page has not redirected, please visit the 3E site here. Please visit our newsroom to learn more about this agreement: Verisk Announces Sale of 3E Business to New Mountain Capital.