Home > What We Offer > Commercial Property and Casualty Insurance > Commercial Umbrella Insurance

Commercial Umbrella Insurance

Commercial Umbrella Insurance gives you additional coverage to help pay for costs that exceed primary liability policy limits. It protects your business against extremely large losses from covered events. It also protects your assets, which you would have to pay out of pocket for liability claims that cost more than your coverage limits.

To get added protection, contact us for a Commercial Umbrella Insurance quote today.

Commercial Umbrella Limits Insurance companies write umbrella policies with aggregate limits. These limits can range from $1 million to $15 million. This means your insurance company will only cover claims up to that amount.
How Does Commercial Umbrella Insurance Work? A commercial umbrella policy extends the limits of some of your primary liability insurance policies, such as general liability insurance and commercial auto insurance.Be aware that commercial umbrella insurance provides additional coverage on top of your general liability policy. So, if you don’t have general liability insurance, you won’t be able to get commercial umbrella insurance.

Commercial Umbrell Insurance Example

An employee has a car accident while making a delivery to a customer. The property damage and bodily injury costs exceed your business’ commercial auto liability limits. If you don’t have a commercial umbrella policy, you’d have to pay the amount that exceeds your policy limit, putting your business at financial risk. That’s why it’s important to have Umbrella Coverage.

What Types of Companies Should Have Commercial Umbrella Insurance?

Typically, the more your business interacts with clients and customers in person, the higher your liability risk. A Commercial Umbrella policy can help businesses that:

Frequently interacts with customers on your property or the customer’s property
Performs work on someone else’s property
Employees operate heavy machinery or risky materials
Allows the public to visit during open hours

What is not covered by Commercial Umbrella Insurance?

Commercial Umbrella Insurance doesn’t cover every kind of claim. Things like uninsured motorist and flood damage may not be covered. It doesn’t extend the limits of certain types of policies, like commercial property insurance.

If an event significantly damages your business’ equipment. The cost to replace and repair your property exceeds your commercial property coverage limits. You’d have to cover the difference out of pocket because Commercial Umbrella Insurance doesn’t cover business property claims.

Commercial Umbrella Insurance

Commercial Umbrell Insurance Example

What Types of Companies Should Have Commercial Umbrella Insurance?

What is not covered by Commercial Umbrella Insurance?

Who We Are

What We Offer

Contact Us