Above and Beyond Insurance Protection For Your Business.
When the unexpected pushes past your limits, you need coverage that goes further. Commercial Umbrella Insurance adds an extra layer of protection over your existing policies—helping shield your business from large claims and costly surprises.
THE FIRSTMARK CHALLENGE
A better way to review coverage.
Four simple steps. Zero obligation.
Have A Conversation.
We shop the markets.
Review the results.
You decide.
- Licensed in 39 states
- 20+ Insurance Carriers
- Headquartered in Edmonds, WA
- Independent & Unbiased
A better way to review coverage.
The Firstmark Challenge
Our simple, guided process makes reviewing your insurance easy. We take the time to understand your needs, compare options across top carriers, and present clear results—so you can make a confident decision.
01
Have A Conversation
02
We Shop The Markets
03
Review The Results
04
You Decide!
When the Unexpected Happens—Make Sure You’re Fully Covered
With FirstMark Insurance’s dedicated team, you get local experts comparing options from over 20 insurance carriers to build a business umbrella policy that extends protection beyond your existing coverage—helping safeguard your assets, reputation, and future with strong coverage and competitive pricing.
Why having Business Umbrella Insurance is Important
Like a personal umbrella policy, a business umbrella policy covers a catastrophic loss and can potentially save a business from huge financial distress. Often, it can be the difference of staying in business or going out of business.
Umbrella liability insurance for your business will protect you when a covered claim occurs and your existing liability policy cannot cover all the expenses. The standard business liability policy is typically adequate for most situations, but umbrella liability will help ensure that your business is protected for large losses. Owning a business is risky, but going without proper insurance is riskier. No one wants to be sued, but because accidents occur, sometimes lawsuits are unavoidable.
Consider these possibilities:
- Your company holiday party serves too much alcohol and people leave intoxicated resulting in personal injury or damages.
- Your commercial building has an undetected carbon monoxide leak and that results in injury/death.
- Your business is accused of failing to render the appropriate professional services.
UMBRELLA LIABILITY INSURANCE
Business umbrella policies are inexpensive and picks up where your business auto liability, general liability or other liability coverage stops. Umbrella insurance provides extra coverage against bodily injury and/or property damage.
For example: Your current policy covers you for $1 million and you are successfully sued for $1.5 million, your business umbrella coverage would pay the outstanding $500,000 – For most, this is the difference between losing your business or staying in business.
To determine the amount of commercial umbrella insurance coverage you need, a variety of factors are considered, such us the type of business you own and the coverage that is currently in place.
We will discuss with you the details of a commercial umbrella policy to help you make an educated decision about your small business needs. We can also let you if there are other types of additional coverage that would be more appropriate, like excess liability coverage. We will answer your questions and help you gain the knowledge you need to make the best decision for your company.