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Customize Your Umbrella Insurance Policy to Fit Your Business

No two businesses are alike. Professional practices, such as a veterinary office or a law firm, operate very differently than an auto body shop full of machinery. Their respective liability insurance needs are different, too. 

We tailor commercial umbrella policies to the needs of different businesses. Owners of an auto body shop might need an umbrella policy to offer expanded coverage for garage liability, but a law practice that entertains clients might need expanded liquor liability limits. 

When you meet with an agent to discuss umbrella insurance policies, request a quote that is customized to meet the specific needs of your business. 

How commercial umbrella insurance works

Commercial umbrella policies serve two distinct purposes.

It expands the limit that your company already has in its existing, or underlying, liability policies. If your general liability policy offers $1 million coverage per occurrence or $2 million total, you could expand those limits to $3 million per occurrence and $4 million aggregate with a $2 million umbrella policy. 

It also broadens coverage for things that your underlying policies may not cover. If your auto liability policy covers accidents that might occur in a specific area, an umbrella policy could expand the coverage territory. 

Have this information ready for your umbrella quote

Your agent will want to know about your business and your current level of insurance. To get a customized umbrella policy quote, be sure to have: 

Be sure to mention whether you carry professional liability, errors or omissions liability, liquor liability, employee benefits liability or employment practices liability insurance.

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