Commercial Umbrella Insurance

When it rains, it pours—you know the saying. Sometimes this is positive, like you found a new office space, you welcomed five new clients, and that shipment of 1,000 multi-colored post-it notes finally arrived. Or sometimes it’s negative, like when an insurance claim goes beyond your coverage limit. Commercial Umbrella Insurance is designed for these unfavorable circumstances. It’s very similar to Business Liability Insurance in that it covers costs like medical, legal, and other expenses related to an accident. The difference is it significantly extends the primary coverage amount to help keep your business afloat.

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Supplemental Coverage

Commercial Umbrella Insurance can increase the coverage amount of a primary policy—most notably, general liability, commercial auto, and workers compensation.

Example: You’re found liable for a defective product and sued for $2.5 million, but your policy only includes $2 million in liability coverage. A commercial umbrella policy can make up the remaining $500,000.

Broad Coverage

Commercial Umbrella Insurance can extend or adapt the terms and conditions of a primary policy.

Example: You hit a deer while headed to the Toronto International Airport, but your commercial auto coverage only includes accidents in the United States. A commercial umbrella policy can expand the territory in which coverage is allowed.

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Safeguard all aspects of life.

General Liability

Risks are everywhere, and they certainly don’t discriminate who or what they claim. General Liability Insurance is one of the most important coverage options you can have as a business owner, as it will help protect you from a wide variety of risks.

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Commercial Auto

Whether you own, lease, or rent a vehicle for business use, Commercial Auto Insurance will protect you from common physical damage and liability claims, among other inconvenient expenses.

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Workers Compensation

Workers Compensation Insurance will help cover the various costs that result from an employee’s job-related injury or illness. It’s designed to protect your business, while also providing for your employee in a time of need.

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Business Owner

Business Owners Insurance is an enhanced plan that combines general liability and property liability insurance into one convenient package, which ultimately saves you money. It’s also flexible and can include endorsements to cover specific risks, like cyber liability.

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Commercial Umbrella Insurance Partners