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Consider our commercial umbrella insurance services.

With litigation commonplace, business owners have more worries than making profits and retaining top employees. If your product injures a consumer, your organization could face a devastating lawsuit, exponential damages, and a tainted reputation in the marketplace. To assist with the financial burden of a claim, many business owners purchase commercial umbrella insurance on top of their standard commercial general liability (CGL) insurance policies. 

Most CGL policies have an aggregate limit that, once exhausted, will not cover excess claims. Experienced business professionals understand that additional coverage is needed to protect an organization’s assets from today’s litigious society and rising court judgments.


What coverages are available under commercial umbrella insurance?

Commercial umbrella insurance provides that extra protection your business needs in case a claim exceeds your liability policy’s limits. Without this coverage, you could end up paying out of pocket for unexpected legal costs or judgements, an injured party’s medical bills, or damage to a litigant’s property.

Your potential liability rises depending on the type of business you are in and where your employees interact with your customers. For example, if your business earns income operating on a client’s property, your exposure to risk could be higher. Conversely, if you operate heavy machinery at your site, and clients regularly visit your place of business, this too could increase your need for commercial umbrella insurance.

While commercial umbrella insurance provides an extra layer of protection, it may not extend existing liability coverage. It also doesn’t cover commercial property claims. That’s why you need an experienced commercial insurance representative to help you evaluate your existing coverage and options.

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