About Commercial Umbrella Insurance
Commercial Umbrella liability (a.k.a. excess liability) provides coverage that supplements the limits of an insured’s General Liability, Automobile Liability, and Employers Liability policies. The latter are considered underlying or primary policies. Umbrellas can also protect insureds from exclusions and gaps in their primary liability insurance. An Umbrella policy’s coverage is triggered when the limits of the underlying insurance have been exhausted, or when a claim occurs that is not covered by an underlying policy.
Increased lawsuit protection for your business
In the current environment of spiraling legal costs and high liability judgments, businesses need strong liability protection more than ever before. A catastrophe can occur at any time. In the event that it does, Excess and Umbrella Policies will help protect assets by providing higher limits, broader coverage and first dollar defense when primary liability limits have been exhausted or do not respond.
Get the coverage you need
Are you unsure about the specific exposures and risks you face? Or the protection you need? Our insurance needs analysis tool is a good place to start. It will help you to identify your potential exposures to loss and list the coverages that may be appropriate for you. Click the link below to access our free individual risk analysis tool.
