Extra Liability Coverage When It Matters Most
Commercial umbrella insurance provides an added layer of protection above your existing liability policies. It’s designed to protect your business when claims exceed the limits of your general liability, auto, or employer’s liability coverage. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
What Does Umbrella Insurance Do?
If a large claim or lawsuit exhausts your standard liability policy limits, umbrella insurance steps in to cover the remaining costs—helping you avoid out-of-pocket financial risk. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
Why Businesses Add Umbrella Coverage
Lawsuits and claims are becoming more expensive. A single serious accident or claim could exceed your standard policy’s limits. Umbrella insurance offers peace of mind and financial protection for the unexpected.
Top Situations Where Umbrella Coverage Helps
Major Liability Lawsuit
Provides additional funds if your business is sued for damages that exceed your base policy.
Severe Auto Accident
Extends coverage if your commercial auto policy isn’t enough after a serious crash.
Third-Party Injury on Site
Covers large slip-and-fall or injury claims that surpass general liability limits.
Commercial Umbrella FAQs
Is umbrella insurance required?
No, but it’s highly recommended if you have high liability exposure or valuable assets.
How much coverage should I get?
It depends on your business size and risk. Common limits start at $1 million.
Does it cover everything my other policies do?
It extends coverage on top of certain policies like general liability, auto, and workers’ comp employer liability—but doesn’t add coverage types.
Can I get umbrella coverage from a different insurer?
Yes, but many insurers require it to stack with their own base policies. We’ll help you find a match.