A commercial umbrella sits over your professional liability, BOP, and auto policies and pays after the underlying limits exhaust. It is the cheapest liability dollar you can buy: $450 to $2,100 per year for the first $1M layer, $300 to $1,300 per additional $1M in Southeast markets. In uncapped-damages states (Florida, Georgia post-Nestlehutt, Louisiana under direct action), most dental practices carry $2M to $5M in umbrella limits.
Read more about commercial umbrella structure at our umbrella coverage page, or see state-specific recommendations in the Georgia and Louisiana guides.
