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.
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