Business Umbrella Insurance – Extended Protection for Your Business

Why having Business Umbrella Insurance is Important

Business Umbrella Insurance provides an extra layer of liability protection above and beyond the limits of your underlying commercial insurance policies, such as General Liability, Commercial Auto, and Employers Liability. It is designed to step in when the limits of those policies are exhausted due to a large claim or lawsuit.

For example, if your business is sued and the settlement exceeds the limit of your General Liability policy, your Umbrella policy would cover the remaining amount, up to its own limit. This can help prevent significant out-of-pocket costs or financial ruin from a catastrophic event. It also helps protect business assets and ongoing operations.

Commercial umbrella coverage is cost-effective because it offers high-limit protection for a relatively low premium. It’s particularly valuable for businesses facing high liability exposures—such as those in construction, transportation, or hospitality—or those with frequent public interaction or multiple locations.