Commercial umbrella insurance helps protect the financial future of your company. It covers damages that exceed the limits of your underlying liability insurance and in some instances, where your underlying liability insurance does not apply. It's a smart, affordable policy option that helps protect the business you've worked so hard to build.
Your agent will partner with you to design a policy with the right coverages for your needs.
Consider these possibilities:
- You're found liable for a customer's injury at your business.
- One of your products causes illness or injury to a customer.
- One of your employees driving a company vehicle causes an accident resulting in injuries to others.
- A fire originating from your operation destroys neighboring businesses.
If you're sued for $1.5 million but only have $1 million in general liability insurance, a Commercial Umbrella Insurance policy could pay the outstanding $500,000, leaving your business assets or profits untouched. It's our best defense against an unusually high loss when the limits of an underlying policy have been reached.
Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies.