Construction projects carry massive financial exposure — a single catastrophic claim can exceed your standard policy limits in an instant. Soma's umbrella and excess liability insurance for construction provides an essential extra layer of protection, covering general contractors, subcontractors, and developers when underlying limits run out. Get broad, high-limit coverage structured around your project pipeline, fast.
Comprehensive high-limit liability solutions built for every tier of the construction industry, from contractors to developers.
A broad umbrella policy sitting above your general liability and auto coverage, providing additional limits when an underlying construction claim exhausts your primary policy. Designed for GCs and specialty trades handling large-scale projects.
Follow-form excess liability coverage that mirrors your underlying construction policies and activates when primary limits are depleted by a single severe loss or multiple claims across a project cycle.
Extended umbrella protection covering defect and injury claims that arise long after project handover — a critical layer for contractors facing long-tail liability exposure from completed construction work.
High-limit umbrella coverage integrated into Owner or Contractor Controlled Insurance Programs, consolidating excess liability for all project participants under a single, coordinated tower for large-scale developments.
Tailored excess liability solutions for subcontractors required by contract to carry higher limits than standard policies provide, helping specialty trades qualify for major projects without gaps in coverage.
Umbrella coverage extending above your commercial auto policy limits for construction vehicles and equipment fleets, protecting against catastrophic accident claims that exhaust primary auto liability coverage.
Construction projects — from ground-up commercial builds to complex multi-trade developments — can generate liability claims that dwarf standard policy limits. Soma structures umbrella and excess liability programs specifically for the construction vertical, working with carriers like Chubb, Liberty Mutual, and Kinsale to place high limits quickly. Whether you're a general contractor managing owner contract requirements, a subcontractor bidding on larger projects, or a developer financing a major build, Soma gets you the coverage tower you need in a single, fast application.
See how construction businesses secured the right coverage limits through Soma's specialty markets.
Soma is purpose-built for complex, hard-to-place construction risks — here's what sets us apart.
Direct access to Chubb, Liberty Mutual, Kinsale, and more — carriers with genuine appetite for high-limit construction risks others decline.
Get umbrella and excess liability quotes across multiple specialty carriers with one application — no chasing brokers, no weeks of waiting.
Our risk team understands GC contracts, OCIP/CCIP structures, completed operations exposure, and the lender requirements that drive construction insurance decisions.
Soma's streamlined process means construction firms get bound coverage quickly — critical when project start dates, contract deadlines, or owner requirements won't wait.
A specialist brokerage built for the businesses standard markets won't touch.
Soma is the fastest and most reliable insurance brokerage for complex, hard-to-insure businesses — and construction is one of our core verticals. We replace the slow, fragmented experience of traditional brokers with a smarter, faster approach: one application, access to hundreds of specialty carriers, and a risk management team that truly understands the construction industry. From general contractors managing multi-million-dollar project pipelines to specialty subcontractors navigating contract insurance requirements, Soma structures umbrella and excess liability programs that satisfy lenders, owners, and project agreements. We've processed thousands of construction businesses, and we apply that depth of experience to place coverage that standard markets routinely decline — complete, fast, and at the right price.
A construction umbrella insurance policy is a supplemental liability policy that sits above your underlying coverage — typically general liability, commercial auto, and employer's liability. It activates when a claim exhausts the limits of any one of those underlying policies. For construction businesses, umbrella policies commonly provide $1M to $25M+ in additional limits, protecting against catastrophic injury claims, property damage events, or multi-claimant lawsuits that a standard policy simply cannot absorb.
Speak with a Soma construction insurance specialist for personalized guidance and a fast quote.
Authorized to place high-limit construction programs with Chubb
Specialty partner for complex construction liability placements
Recognized for ethical business practices and customer trust
Complete the form below and a Soma construction insurance specialist will reach out promptly to assess your coverage needs, review your contract requirements, and deliver competitive umbrella and excess liability options — no delays, no runaround.