Texas Commercial Umbrella Insurance

Providing Business Liability Insurance in Austin, Round Rock and All of Central Texas

Commercial umbrella and commercial excess insurance provide coverage beyond the limits of the underlying policies.

Sometimes the limits in your business insurance policies are not enough. Umbrella insurance sits over your underlying liability policies (Commercial General Liability, Commercial Auto, Professional Liability, Etc.) and provides extended limits of liability.

Is there a difference between umbrella insurance and excess liability insurance?

Great question. I am glad you asked. There is a difference. Most policies today are “Excess” policies, meaning they do not provide coverage other than what exists in the underlying policies. True umbrella policies sit over the underlying policies, and provide coverage in the case of gaps in the underlying policies. Call us today to discuss your umbrella/excess insurance needs for a FREE commercial umbrella insurance quote in Austin, Texas!

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Marissa Brinkman
Marissa Brinkman
21:48 18 Feb 20
Rhett and Debbie are efficient, friendly, and informative! They have excellent customer service and a very quick turnaround.
Cindy Brummer
Cindy Brummer
23:36 17 Feb 20
Rhett, Debbie, and the team at Sunstone are my go-to. They make sure I have the right amount of coverage for my company and that I'm not overpaying. When I need documents or have questions, they are quick to respond and help me. For example, when I needed to increase cyber coverage last year, they did the research quickly, let me know my options, made a recommendation, and we were able to increase coverage. Even better bonus -- the increase wasn't as much as I had expected. Woo-hoo!
William Hines
William Hines
18:27 21 Sep 15
I highly recommend Rhett Braniff for you insurance and risk management needs.I have known Rhett for a long time, so I trusted him with my insurance. Insurance for my business is important to me, and I wanted to make sure I was properly covered. When my policies were coming up for renewal, I asked Rhett to review them. After looking them over, Rhett was able to identify some key areas of my coverage that needed attention. He presented me with several options that allowed me to get great coverage that fit our budget. I secure with my insurance, and I didn’t have to spend a lot to do it.Most of all, Rhett made it easy. He broke down the various coverage areas in easy to understand language, and was able to answer all of my questions. Rhett was sensitive to my time constraints, and didn’t unnecessarily burden me with the process.I recommend Rhett for all your personal or commercial insurance needs.

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