It’s important to have extra protection above the limits of your general liability, auto and fleet or other commercial liability coverages. 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 can provide the answer.

What a commercial agribusiness umbrella policy covers

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. Umbrella insurance is an inexpensive way to provide additional limits of liability coverage, such as:
  • Bodily injury or property damage that occurs on your premises, or is caused by your products or completed operations
  • Crop application and seedsmen’s liability coverage
  • Lawsuit defense costs
  • Host liquor liability
  • Pollution release caused by hostile fire, anhydrous ammonia release or mobile equipment

Tailored to meet your business needs

Our agents will 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 help determine the best limits for your umbrella policy . For example, a warehouse that’s not open to the public has a lower risk for visitor injuries than a convenience store with high visitor traffic.

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.

Business structure

For a corporation, generally only corporate assets can be seized in a lawsuit. But if you own a sole proprietorship, your personal assets could also be seized.

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.

Related topics & resources

Risk management services
Loss reduction consulting
Critical incident stress debriefing
Employee safety training
More farm & agribusiness resources
Ready to get started? Email us to find a commercial agribusiness agent.

Products and discounts not available to all persons in all states. Products are subject to deductibles, exclusions, and conditions.