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Umbrella Liability Insurance | Get Commercial ... - Nationwide

Find out how umbrella liability insurance provides business and asset protection when you need it the most. Learn more about how Nationwide's commercial ...

umbrella liability policy - Insurance Glossary - IRMI.com

umbrella liability policy - A policy designed to provide protection against ... such as the business auto policy (BAP), commercial general liability (CGL) policy, ...

Umbrella insurance - Wikipedia, the free encyclopedia

Umbrella insurance refers to liability insurance that is in excess of specified other ... A commercial umbrella policy may be based on a commercial general ...

Commercial Umbrella Insurance | Business Umbrella ... - The Hartford

Run out of coverage while settling a lawsuit? The Hartford's commercial umbrella insurance can help by increasing your liability protection.

Commercial Liability Umbrella Insurance - American Family Insurance

With a Commercial Liability Umbrella Policy, you have an added layer of protection against the financial consequences of major accidents or incidents helping ...

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GEICO | Umbrella Insurance and the Owners of Small Businesses

Small business owners should consider personal umbrella insurance to protect their ... Commercial Auto · Collector Auto; Property Insurance; Homeowners ...

Umbrella Liability - Insurance from AIG in the US

A smartly crafted lead umbrella insurance policy is one of the main lines of defense ... We attempt to design a lead commercial umbrella solution that is right for ...

RLI commercial umbrella policy / business liability insurance

Business liability insurance over underlying coverages. RLI's commercial umbrella policy is available in all 50 states, with producers located throughout the  ...

Umbrella Liability Insurance - Business Insurance Now.com

Get Umbrella Insurance (Excess Liability) to provide additional coverage when the limits on an underlying policy are exceeded. Apply once and get quotes from  ...

Commercial Umbrella And Excess Liability Insurance |Travelers ...

Travelers Excess Casualty Insurance Offers Unsupported Mono-Line Commercial Umbrella And Excess Liability Coverage Through Retailers And Wholesalers.

Umbrella Liability Insurance Basics - Business ... - Wells Fargo

Commercial Auto ... Additionally, business umbrella liability insurance can cover bodily injury and personal property claims that are ... A $5 million business umbrella liability insurance policy would have covered the rest of the settlement ( the ...

Commercial umbrella insurance can help if you ... - Allied Insurance

Commercial umbrella insurance can help if you are sued. Business is risky, and every company faces the possibility of an unexpected lawsuit. If a legal ...

Commercial Umbrella Insurance


Commercial umbrella insurance coverage protects businesses from catastrophic losses to their business. They pay claims that are higher than the coverage limits on a company's general liability, commercial automotive or employer's liability coverage.

Until recently, large corporations were the only ones that felt it necessary to include commercial umbrella insurance as part of their insurance coverage needs. Increasingly, small business owners are realizing the importance of a commercial umbrella policy. Commercial umbrella insurance provides many important benefits for the small and mid-sized business.
  1. Business umbrella insurance provides larger limits than those available through standard liability insurance coverage.
  2. A commercial umbrella policy provides coverage from lawsuits due to slander, libel and violations of privacy, which are not typically included under standard insurance policies.
  3. Commercial umbrella insurance policies cover the cost of legal expenses, judgments and settlements, including punitive damages, if permitted in the state where you are located.

Understand that business umbrella insurance coverage is only as good as the customer service

Umbrella insurance business coverage provides coverage in addition to the normal liability coverage. If your umbrella coverage is through the same company as your business liability coverage, your protection should be seamless. If you purchase commercial umbrella insurance coverage from a different company, it is important that the companies work together to defend, settle and pay claims.
Department of Insurance. Once you have narrowed down your choices, visit FreeAdvice to read other's experience with your choices.

Avoid under- or over-insuring with commercial umbrella liability insurance

While not as devastating as under-insuring, over-insuring is a waste of money. A well-trained insurance agent with experience insuring companies in your field is important to have the best coverage.

Find competitive pricing for business umbrella insurance

Comparison shopping for insurance policies is difficult because you often are not comparing the exact same product. Before making your final decision, decide what type of coverage you need and what exclusions you can live with. Then choose the company that offers the most competitive price while offering the coverage that you need.

  • Some commercial umbrella insurance providers require that your standard insurance policies are written through them, but other providers will only write an umbrella policy as long as your standard insurance coverage meets their requirements.
  • Even umbrella insurance business policies do not cover everything. Understand what exclusions are in your policy before you sign on the dotted line.
  • While the thought of a million dollar lawsuit may seem far-fetched, the price of a commercial umbrella insurance policy is money well-spent in today's business climate.