TWIA's Commercial Umbrella coverage - the ultimate protection for your business. When your underlying coverage limits have been exceeded, our umbrella coverage kicks in to provide additional protection. Imagine a scenario where you have a general liability policy with a coverage limit of 1 million, but a claim comes in for 3 million. With TWIA's Commercial Umbrella coverage, you can rest easy knowing that we have you covered. Order your quote today. Pricing- Depends on various factors such as payroll, number of employees, and loss history. Purchasing Process 1. Order your quote 2. Receive an Email confirmation 3. Access the Portal from the link in the email to complete an online application. Depending on your industry and the amount of coverage you request, you may be required to submit loss history and underlying policy declaration pages per underwriting. Requirements: Application Loss History- 5 Years "currently valued" loss runs Proof of underlying coverage- (Declaration pages for your current commercial auto, workers comp, and general liability) Estimated Time Frame- 5 to 15 minutes to complete the application. Turnaround time for quotes is currently 1-2 hours. for most non-construction-related industries. Quotes can take as long as 3 to 5 business days for larger complex industries and operations.