Think your current liability coverage is enough? In today’s litigious environment, a single lawsuit can exceed your existing policy limits. Commercial Umbrella Insurance provides an additional layer of protection, ensuring your business remains secure when facing substantial claims.

What Is Commercial Umbrella Insurance?

Commercial Umbrella Insurance extends the coverage of your primary liability policies, such as General Liability, Commercial Auto, and Employer’s Liability. When the limits of these underlying policies are exhausted, umbrella insurance steps in to cover the excess costs. This safeguard is crucial for protecting your business assets and financial stability.

How Does It Work?

Imagine your business faces a lawsuit resulting in a $2 million judgment, but your General Liability policy covers only $1 million. Without umbrella insurance, you’d be responsible for the remaining $1 million. With a Commercial Umbrella policy, that excess amount is covered, shielding your business from significant financial strain.