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Commercial Umbrella Insurance gives you additional coverage to help pay for costs that exceed primary liability policy limits. It protects your business against extremely large losses from covered events. It also protects your assets, which you would have to pay out of pocket for liability claims that cost more than your coverage limits.
To get added protection, contact us for a Commercial Umbrella Insurance quote today.
An employee has a car accident while making a delivery to a customer. The property damage and bodily injury costs exceed your business’ commercial auto liability limits. If you don’t have a commercial umbrella policy, you’d have to pay the amount that exceeds your policy limit, putting your business at financial risk. That’s why it’s important to have Umbrella Coverage.
Typically, the more your business interacts with clients and customers in person, the higher your liability risk. A Commercial Umbrella policy can help businesses that:
Commercial Umbrella Insurance doesn’t cover every kind of claim. Things like uninsured motorist and flood damage may not be covered. It doesn’t extend the limits of certain types of policies, like commercial property insurance.
If an event significantly damages your business’ equipment. The cost to replace and repair your property exceeds your commercial property coverage limits. You’d have to cover the difference out of pocket because Commercial Umbrella Insurance doesn’t cover business property claims.