Commercial Umbrella Insurance

Additional Liability Protection for Your Business

Why Commercial Umbrella Insurance Matters

Businesses face many different risks every day. While primary insurance policies provide important protection, some businesses choose additional liability coverage for an extra layer of protection.

Commercial Umbrella Insurance is designed to provide additional liability protection above certain underlying business insurance policies, subject to policy terms and conditions.

Benefits of Commercial Umbrella Insurance

Additional Liability Protection

Provides an additional layer of protection when covered liability claims exceed the limits of certain underlying policies.

Asset Protection Considerations

Helps businesses consider additional protection against significant liability exposures.

Greater Risk Management

Helps businesses evaluate their overall liability protection strategy.

Understanding Commercial Umbrella Coverage

Commercial Umbrella Insurance works together with underlying business insurance policies to provide additional liability protection.

The need for umbrella coverage depends on factors such as your business size, operations, assets, contracts, and potential liability exposures.

How Commercial Umbrella Insurance Works

Commercial Umbrella Insurance provides additional liability protection above certain underlying policies when covered claims exceed the limits of those policies.

Works With Existing Coverage

Umbrella coverage is designed to work together with underlying business insurance policies.

  • General Liability
  • Commercial Auto
  • Other eligible liability policies

Provides Additional Protection

Helps provide an additional layer of liability protection when significant covered claims occur.

  • Higher liability limits
  • Additional risk protection
  • Business asset considerations

Supports Risk Management

Helps businesses evaluate whether their current liability protection matches their potential exposures.

  • Business growth considerations
  • Contract requirements
  • Industry-specific risks

Who May Need Commercial Umbrella Insurance?

Growing Businesses

Businesses with increasing operations, employees, or assets may want to review additional liability protection.

High Exposure Businesses

Businesses with greater customer interaction, vehicles, or operational risks may consider umbrella coverage.

Contract-Driven Businesses

Some business agreements may require higher liability limits or additional protection.

Important Umbrella Insurance Considerations

Common Commercial Umbrella Insurance Questions

Is commercial umbrella insurance a replacement for other business insurance?

No. Umbrella insurance is designed to provide additional liability protection above certain underlying policies. It works together with existing business coverage.

Does every business need umbrella coverage?

The need for umbrella insurance depends on your business operations, assets, contracts, and potential liability exposures.

When should a business consider umbrella insurance?

Businesses may want to review umbrella options when they grow, acquire additional assets, increase operations, or face greater liability risks.

How much umbrella coverage does my business need?

Coverage needs vary based on your business circumstances, existing policies, assets, and potential exposures.

Review Your Business Liability Protection

Protecting your business requires understanding the risks you face and making sure your insurance program grows with your company.

We can help review your existing coverage and discuss whether additional liability protection may be appropriate.

Strengthen Your Business Protection

A strong insurance plan helps protect the business you have worked hard to build. We are here to help you understand your commercial insurance options.