Commercial Umbrella Insurance
Extra liability coverage that extends beyond your other business policies — your business's safety net for catastrophic claims.
A commercial umbrella policy provides additional liability coverage above and beyond your general liability, commercial auto, and employer's liability limits. When a claim exceeds your underlying policy limits, the umbrella covers the excess — preventing a single catastrophic event from bankrupting your business.
Consider a scenario: a delivery driver causes an accident with $2 million in injuries, but your commercial auto policy has a $1 million limit. Without an umbrella, your business is on the hook for the $1 million gap. With a $2 million umbrella, you're covered.
Commercial umbrella policies are especially important for businesses with significant customer interaction, vehicle operations, construction activity, or any high-liability exposure. The cost is modest relative to the protection — typically a fraction of your underlying policy premiums for millions in additional coverage.
Key Features
- Extends over general liability, commercial auto, and employer's liability
- $1 million to $10 million+ in additional coverage
- Legal defense costs covered above underlying policy limits
- Fills gaps in underlying coverage for broader protection
- Cost-effective — a fraction of underlying policy premiums
Who Needs This?
- Businesses with significant liability exposure — construction, transportation, manufacturing
- Companies with large contracts that require higher liability limits
- Businesses with vehicle fleets or employees driving for work
- Any business owner who wants to protect company assets from catastrophic claims
Ready to Get Commercial Umbrella Insurance Coverage?
Call 303-994-7814 or start your quote online.
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