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Secondary Insurance. Commercial umbrella insurance is a type of secondary or supplemental insurance that provides extra coverage beyond and above a business owner's standard liability insurance.Therefore, commercial umbrella insurance is synonymous with excess liability insurance or umbrella liability insurance.econdary Insurance. Commercial umbrella insurance is a type of secondary or supplemental insurance that provides extra coverage beyond and above a business owner's standard liability insurance.
Related Pages: Commercial Umbrella Insurance Blog Post. Also called excess liability, a commercial umbrella insurance policy can give additional coverage to several smaller policies in place for your business.Generally, those policies may be your general liability policy, your employer's liability, and hired and non-owned motor vehicle policies.ou have 1 million dollars in general liability coverage, and your umbrella policy kicks in an additional four hundred thousand dollars to settle the claim. A commercial liability policy is certainly a way by which to increase coverage of several policies while keeping your overall premiums down.