Commercial Umbrella Insurance

Commercial umbrella insurance provides an essential layer of protection that goes beyond the limits of your existing business liability policies. It’s designed to safeguard your company from high‑severity claims that could otherwise impact your operations, assets, and long‑term stability. A commercial umbrella policy typically includes:

• Additional liability limits up to $5 million, offering critical protection when a major claim exceeds your underlying general liability, auto liability, or employer’s liability coverage.
• Worldwide coverage, ensuring your business is protected wherever it operates or sends employees.
• Extended coverage for business‑owned vehicles and equipment, supplementing the limits provided by your primary commercial auto and specialty policies.
• Additional defense costs and legal fees, above and beyond what your underlying policies provide.

Commercial umbrella insurance can be complex, and the right limits depend on your industry, exposure, and risk tolerance. We encourage you to contact our office so our agents can walk you through your options, help you evaluate your coverage needs, and ensure your business has the protection it deserves.