Commercial Umbrella insurance provides additional limits of liability coverage above the underlying limits of your standard liability insurance. With commercial umbrella coverage, your business has an extra layer of protection when the unexpected happens and the coverage responds when your existing policies reach or exhaust their limits. These policies are meant for small to medium-sized businesses and our market access allows us to provide multiple options for your practice.

Umbrella Coverages

Commercial umbrella insurance typically extends cover the following coverages:

General Liability
Commercial Auto liability
Hired and Non-Owned Auto liability
Employer’s liability of your workers’ compensation coverage

How much is Commercial umbrella insurance?

Premiums will change based on the level of insurance limits purchased and your type of business. Other factors include but are not limited to the size and location of the business, the level of risk associated with your operations and your industry, your existing liability coverage and coverage limits, and your claims history.

Commercial umbrella insurance protects your practice from bodily injury, medical expenses, attorneys fee and damages awarded in lawsuits, judgements or settlements that exceed the limits of your primary policies. Please note that most Commercial Umbrella policies do not extend coverage above the medical professional liability coverages.