insurance for catastrophic accidents
Commercial umbrella insurance: for the costly claims you can’t always expect (or even prevent)
The extra protection you need to cover medical bills, personal injury demands, and legal defenses that can cripple your business
What is commercial umbrella insurance?
A commercial umbrella policy provides liability coverage over and above what you already have with your general liability insurance, commercial auto insurance, and workers compensation insurance. If a large claim exhausts your underlying coverage, your business umbrella insurance will cover the rest, up to the limit you choose.
In addition, a commercial umbrella policy will cover the legal fees while defending or settling your lawsuit. And in some cases, it may even provide coverage you did not have with your underlying policies.
Businesses face claim issues every day
Unfortunately, it's not hard for someone to sue a business they've dealt with, creating a lawsuit that you'd need to defend against. Spend your time working on your business rather than defending it.
What is (and is not) covered by commercial umbrella insurance?
There is not an insurance policy in the world that can protect you from everything. For that, we’d need a crystal ball. But understanding the coverages, limitations and exclusions can help you prepare for the unknown.
What is typically covered?
Bodily injury and property damage liability claims
Commercial auto liability claims
Employers liability claims
What is not typically covered?
Intentional bodily injury or property damage
Mistakes from your professional services or advice
Damages to your business property
Damages to your business vehicles
Got commercial umbrella insurance questions? We’ve got answers.
Do I need commercial umbrella insurance?
How much business umbrella insurance do I need?
How much does commercial umbrella insurance cost?
What do I need to get a quote for commercial umbrella insurance?
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"Their team is client focused and works diligently to minimize risk, provide education, respond to issues, and secure coverage that is sensitive to our budget."
Kurtis J., Assistant Superintendent For Finance & Operations at a Massachusetts School District
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Don’t lose sleep worrying if your business is unprotected from unexpected lawsuits. Simply fill out this form and a member of our commercial team will be in touch.