Commercial umbrella liability insurance provides protection for you and your business when your existing liability insurance policies cannot cover all expenses resulting from a covered loss. Your underlying standard business liability policy will protect you in most situations, but in the event of a severe loss, an umbrella liability policy will help ensure that your business is protected.

Many business owners purchase umbrella liability insurance because they realize that accidents and losses occur and as a result people file a suit. Some possibilities include a company event that results in severe injuries and damages or your business fails to provide proper professional services. An umbrella policy will provide coverage when your underlying standard business auto liability, general liability, or other liability coverage is exhausted. Thus, umbrella liability is a fairly inexpensive means to provide the essential protection in the event that your underlying-standard GL policy coverage reaches its limits.

For instance, if a business owner's general liability policy provides coverage for up to $1 million and if he or she is successfully sued for $1.5 million than the commercial umbrella policy coverage will payout the remaining $500,000. And if the business owner did not have an umbrella policy, he or she would have to pay that amount. The amounts of commercial umbrella coverage your business will need will depend on various different factors, including the type of business operations and the associated risks as well as the amount of underlying general liability coverage you have purchase on the standard GL policy.

Call us now to request your commercial umbrella insurance quote proposal from an agency that strives to consistently provide our customers with superior coverage, service and savings.

Note: Policy description of coverage provided on our website are simplified and not a statement of contract. Description is only for general informational purposes. Please refer to your specific policy documents and endorsements for complete details of coverage, conditions, restrictions, and limits.