Commercial Umbrella

Extra Protection

Every Business Needs a Safety Net

Because Every Business Needs a Safety Net. Our Commercial Umbrella Insurance provides an additional layer of liability coverage, ensuring that your business is protected from substantial claims that exceed the limits of your primary insurance policies.

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Excess Liability Coverage

This coverage provides additional liability protection beyond the limits of your existing general liability, auto liability, and employer's liability policies. It ensures that your business is protected from large claims and lawsuits that could otherwise exceed your primary policy limits.

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Broadened Coverage

Commercial Umbrella Insurance often covers scenarios that your underlying policies might not, offering broader protection for various incidents. This can include situations such as large-scale accidents or unexpected catastrophic events.

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Defense Costs

Covers legal defense costs associated with claims that exceed your primary policy limits. This ensures that your business can afford the best legal defense without depleting its financial resources.

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Coverage for Multiple Policies

An umbrella policy can extend additional coverage over multiple primary policies, including general liability, commercial auto, and employer's liability. This consolidated protection simplifies managing your insurance needs and provides comprehensive coverage across different aspects of your business.

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Protection Against Major Claims

In the event of a significant incident, such as a severe injury or property damage, umbrella insurance provides extra financial protection. It covers claims that exceed the limits of your primary policies, ensuring your business assets are protected.

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Worldwide Coverage

Offers liability protection for your business activities anywhere in the world, not just in your home country. This is particularly beneficial for businesses with international operations or those that frequently travel abroad.

Frequently Asked Questions

  • Why do I need commercial umbrella insurance if I already have primary liability coverage?

    Commercial umbrella insurance provides additional liability coverage beyond the limits of your primary policies. It is essential for protecting your business from large claims or lawsuits that could otherwise exhaust your existing coverage limits.

  • How does commercial umbrella insurance work with my existing policies?

    It works by providing excess coverage that kicks in after your primary policy limits have been reached. For example, if a claim exceeds the limit of your general liability policy, your umbrella policy will cover the remaining amount up to its limit.

  • Is commercial umbrella insurance expensive?

    The cost of commercial umbrella insurance varies based on factors such as your business type, size, and risk exposure. However, it is generally considered cost-effective for the significant additional protection it provides.

Protect Your Business, Expand Your Coverage

Investing in Commercial Umbrella Insurance ensures that your business has the extra protection it needs against substantial claims and lawsuits. Secure your peace of mind and focus on growing your business with confidence, knowing that you're covered.

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