Why an Umbrella Policy?
A single serious liability claim can exceed the limits on your general liability, auto, or employer’s liability policy. A commercial umbrella adds an extra layer of coverage above those limits, often in $1 million increments, for a relatively modest premium.
How It Works
When a covered claim exhausts the limits of your underlying policy, the umbrella kicks in to cover the excess. It sits on top of your general liability, commercial auto, and employer’s liability policies and responds after those limits are used up.
Who Needs One?
- Businesses that work with the public or on client properties
- Companies with significant assets to protect
- Contractors and service providers who face high-severity risk
- Any business where a single large claim could be devastating
Affordable Protection
Umbrella coverage is one of the best values in commercial insurance. We’ll show you how much additional protection you can add and what it costs.