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Home » Business Umbrella Insurance

Business Umbrella Insurance

Commercial or business umbrella insurance is a type of business insurance that helps cover liability claims that exceed the limits of a company’s other insurance policies. For example, accidents happen and your business can be held liable for an accident or injury on your business property. Someone can sue you business or company for $2 million if they suffer an accident or injury on your business property, but what if you only have liability coverage for $1 million? Umbrella insurance coverage takes effect in this situation.

Who Needs Business Umbrella Insurance?

Any company with exposure to potential liability claims may benefit from having commercial umbrella insurance. Without it, an organization may have to cover the amount of a claim that exceeds a policy’s liability limits.

Businesses can have high liability risks. This is how a umbrella insurance policy can provide additional financial protection across all of their liability insurance policies.

What Does It Cover?

Umbrella insurance helps cover costs that exceed your policy limits.

Areas where coverage would apply when a liability limit is reached on:

  • On a commercial auto policy
  • Employer’s liability insurance (such as workers’ compensation)
  • General liability insurance policy

How to Get This Type of Insurance

We can help you get the umbrella insurance you need to provide additional financial protection for your organization.