Commercial Umbrella Insurance

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Cover Your Business with Umbrella Liability Insurance

Standard business liability coverage will take care of you in most situations, but when serious situations arise, commercial umbrella insurance will help ensure that your business is protected. Learn what an umbrella policy is and how it works.

What is umbrella insurance?

Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all the expenses. Essentially, it picks up where your business auto liability, general liability or other liability coverage stops, providing extra protection against bodily injury and/or property damage. 

How commercial umbrella insurance works

A commercial umbrella policy serves two distinct purposes:

Customize your umbrella policy to fit your business

We can 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 talk with an agent to discuss umbrella insurance policies, you can request a quote that is customized to meet the specific needs of your business. Here’s what you need to provide in order to get a customized umbrella policy quote:

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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