• Property
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• General Liability
• Commercial Auto and Fleet
• Commercial Umbrella Liability
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Commercial Umbrella Insurance

Being underinsured when the unexpected happens can be disastrous to you and your business. It’s important to have a commercial umbrella liability policy that provides protection above the limits of your standard commercial liability coverage. Nationwide Agribusiness can provide the answer.

What is Commercial Umbrella Insurance?

Our commercial umbrella coverage protects businesses involved in the production, processing and distribution of agriculture related products. It kicks in where your commercial auto and fleet, general liability or other liability coverage stops. It’s an inexpensive way to provide additional limits of liability coverage, like:

• Bodily injury or property damage that occurs on your premises or caused by your products or completed operations
• Crop application and seedsmen’s liability coverage
• Defense costs in a lawsuit
• Host liquor liability
• Pollution release caused by hostile fire, anhydrous ammonia release or mobile equipment

Tailored to meet your business needs

We’ll help you determine how much commercial umbrella insurance you need based on the type of business you own and how much coverage you already have.

Business operations

We’ll assess your business liability exposures to determine the best limits for your umbrella. Example: a warehouse that’s not open to the public is at a lower risk for visitor injuries on premises, so a smaller umbrella may be needed. On the other hand, a convenience store with high visitor traffic may need a larger umbrella.

Contracts with suppliers

You’ll want to review your contracts to determine who’s liable in the event of various losses - you or the supplier. Your findings will help determine your umbrella size.

Business structure

If a corporation, generally only its assets can be seized in a lawsuit. If a sole proprietorship, your personal assets could be seized as well, so you may want higher limits.

Employees

How likely are your employees to cause an accident? How experienced are they in your operations? If you have high-risk workers, you may want higher limits.

Ultimately, your insurance limits are your choice. Your experienced Nationwide Agribusiness agent will provide you with the assistance needed to make an informed choice.