Commercial Umbrella Insurance
Don’t let unexpected lawsuits or large claims put your business at risk. Our commercial umbrella insurance experts make it easy to extend your protection—so you can focus on growth, not liability.
What is Commercial Umbrella Insurance?
Commercial umbrella insurance is a form of liability insurance designed to provide an extra layer of protection for businesses by extending coverage beyond the limits of their primary liability policies. It acts as a financial safety net that kicks in when the costs associated with a covered claim—such as legal fees, medical bills, or damages awarded in a lawsuit—exceed the limits of standard business insurance policies like general liability, commercial auto liability, or employer’s liability insurance. For example, if your general liability policy has a $1 million limit and your business is sued for $2 million, your umbrella policy can cover the remaining $1 million, depending on its own coverage limits. This type of insurance is especially valuable for businesses that operate in high-risk industries, have significant public exposure, or are concerned about the possibility of large lawsuits or catastrophic incidents. In addition to higher limits, umbrella insurance may also broaden coverage in certain situations not included in the underlying policies. By providing this extended coverage, commercial umbrella insurance helps protect a business’s financial health and long-term stability against unexpected, high-cost liability events.
Contact us to learn more about the right commercial umbrella insurance for you.
Get a quote for a commercial umbrella insurance