Umbrella Insurance
Extra liability protection that goes beyond your primary policies to protect your business assets
What is Umbrella Insurance?
Umbrella insurance provides an extra layer of liability protection beyond the limits of your primary insurance policies
When a major claim exceeds the limits of your general liability, commercial auto, or other primary policies, umbrella insurance kicks in to cover the excess. This additional coverage protects your business assets, personal assets, and future earnings from catastrophic liability claims.
In today's litigious environment, even well-protected businesses can face claims that exceed their primary policy limits. Umbrella insurance provides affordable peace of mind with coverage typically starting at $1 million and going up to $10 million or more.
What Does Umbrella Insurance Cover?
Comprehensive excess liability protection for your business
Excess Liability Coverage
Additional coverage when claims exceed your primary policy limits for general liability, commercial auto, or employer's liability
Bodily Injury & Property Damage
Protection against large claims for injuries or property damage caused by your business operations
Legal Defense Costs
Coverage for attorney fees, court costs, and legal expenses that can quickly add up in major lawsuits
Personal Injury Claims
Protection against claims of libel, slander, defamation, false arrest, and invasion of privacy
Worldwide Coverage
Protection extends to covered incidents that occur anywhere in the world
Asset Protection
Safeguards your business and personal assets from being seized to satisfy large judgments
Why Your Business Needs Umbrella Insurance
Rising Claim Costs
Jury awards and settlements are increasing. A single catastrophic claim can exceed your primary policy limits
Affordable Protection
Umbrella policies are surprisingly affordable, often costing just a few hundred dollars for $1 million in coverage
Peace of Mind
Sleep better knowing your business and personal assets are protected from catastrophic liability claims
When Umbrella Insurance Protects You
Real scenarios where umbrella coverage makes the difference
Severe Auto Accident
Your delivery driver causes a multi-vehicle accident resulting in serious injuries. Medical bills and damages total $2 million, but your commercial auto policy only covers $1 million. Your umbrella policy covers the additional $1 million.
Major Premises Liability
A customer suffers a severe injury at your business location. The jury awards $3 million in damages, exceeding your general liability limit of $2 million. Your umbrella policy covers the excess $1 million plus legal fees.
Product Liability Claim
A defective product causes injuries to multiple customers, resulting in a class-action lawsuit with damages exceeding your primary policy limits. Your umbrella insurance provides the additional coverage needed.
Employment Practices Claim
A former employee files a wrongful termination lawsuit with claims totaling more than your employment practices liability limit. Your umbrella policy provides excess coverage for the settlement and legal costs.
Related Insurance Products
Build comprehensive protection for your business
Commercial Auto
Vehicle coverage that works with umbrella for complete auto liability protection
Learn More →Protect Your Business with Umbrella Insurance
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