Commercial Umbrella Insurance

Extra Liability Protection for Your Business

Extra protection when your business policy isn’t enough.

The Problem

Every business insurance policy has limits. If a claim goes beyond those limits whether for liability, medical expenses, or damages — your business could be left paying the rest out of pocket. One major lawsuit or accident could threaten everything you’ve built.

The Plan

Commercial Umbrella Insurance provides an additional layer of coverage on top of your existing business policies. It steps in when your primary coverage reaches its limit, helping protect your business from financial loss that could otherwise be devastating.

Key Advantages of Commercial Umbrella Insurance

  • Backup Protection – Kicks in once your main business policy maxes out.

  • Covers Major Costs – Legal fees, medical expenses, and liability damages.

  • Affordable Peace of Mind – Often lower cost than expected due to its “last-resort” role.

  • Protects Your Assets – Safeguards your business’s financial future from catastrophic claims.

Why It Matters

With Commercial Umbrella Insurance, your business gains:

  • Stronger protection against large liability claims.

  • Confidence knowing you won’t be left paying beyond your policy limit.

  • Flexibility to handle risks tied to public access, client interactions, or off-site work.

  • Stability so one unexpected event doesn’t jeopardize your entire operation.

How It Works

  1. Carry your primary business policy (liability, property, etc.).

  2. Face a major claim that exceeds your policy’s payout limit.

  3. Your umbrella coverage steps in to cover the remaining costs.

  4. Your business is protected from crippling out-of-pocket expenses.

The Result

With Commercial Umbrella Insurance:

  • You gain security beyond your standard policies.

  • You gain confidence that your assets are shielded.

  • You gain affordability with protection that’s cost-effective.

  • You gain peace of mind knowing your business can withstand the unexpected.

Ready to add an extra layer of protection to your business?

Contact us today to explore your Commercial Umbrella Insurance options.

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