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A commercial umbrella policy adds an extra layer of liability protection above the limits of your other business policies, such as general liability and commercial auto. When a large claim exhausts those limits, the umbrella picks up where they leave off.
Say your general liability covers up to a certain amount and a serious claim exceeds it. Without an umbrella, your business pays the difference out of pocket. With one, the umbrella covers the excess up to its own, much higher limit.
Umbrellas make the most sense for businesses with meaningful assets to protect or higher-risk operations where a single large claim is plausible. Clients and contracts sometimes require umbrella coverage as well.
If a catastrophic claim could exceed your current limits, an umbrella is an affordable way to close that gap. Explore business insurance or start a free quote.
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