Extra Protection When You Need It Most
Commercial umbrella insurance provides critical excess liability coverage for your business. Protect your assets from catastrophic claims that exceed standard policy limits.
Standard business insurance policies have limits that can be quickly exhausted by today's high-dollar lawsuits. A single catastrophic event – a serious auto accident, a customer injury, or a product liability claim – could threaten everything you've built.\n\nCommercial umbrella insurance provides an extra layer of liability protection that kicks in when your primary policies reach their limits. This affordable coverage can mean the difference between a manageable claim and financial devastation. Don't let a lawsuit destroy your business – get the excess protection you need.
Broad excess protection for your business
Additional protection above your general liability, auto, and employers liability limits
Coverage for attorney fees and legal expenses that can quickly exhaust primary limits
Protection for claims arising from international business operations and travel
May provide coverage for some claims not covered by underlying policies
Defense against claims of libel, slander, and other personal injury allegations
Extends excess coverage to additional parties as required by contracts
Smart protection for successful businesses
High limits from $1 million to $100 million protect against devastating lawsuits.
One policy provides excess protection over multiple underlying policies.
Substantial additional protection for a relatively small premium investment.
Real scenarios where umbrella insurance protects your business
Multi-vehicle accidents with serious injuries can result in claims exceeding $1 million in damages.
Defective products causing injury or damage can lead to class action suits with massive settlements.
Discrimination, harassment, or wrongful termination suits often exceed primary policy limits.
Get a commercial umbrella quote and protect your business from catastrophic losses.
In today's litigious environment, lawsuits can exceed standard policy limits. A serious auto accident, customer injury, or employment claim could result in millions in damages. Umbrella insurance protects your business assets and future earnings.
It provides excess coverage over general liability, auto liability, and employers liability. Some policies also cover additional exposures like libel, slander, and false arrest. Coverage kicks in when underlying limits are exhausted.
Consider your business assets, annual revenue, industry risks, and contractual requirements. Many businesses start with $1-5 million but may need more based on their exposure. We'll help assess your specific needs.
You'll need adequate underlying insurance (usually $1 million per occurrence). Insurers may require specific minimum limits on general liability, auto, and other policies. We'll ensure your coverage structure qualifies.