Umbrella Insurance

Can you or your business afford a megabucks liability settlement?

Businesses of any size are increasingly vulnerable to multi-million-dollar court decisions. If a single, unforeseen event left your company facing a catastrophic financial judgment, Commercial Umbrella Liability (Excess Liability) insurance could save the day — and keep you in business. This policy takes over where coverage under the other Liability policies (in your Business Owners Package) stops, paying large judgments and providing legal defense costs.

Think of it as providing a layer of “rainy day” protection.

For instance, if you have $1 million in General Liability coverage and you have a claim settlement for $2.5 million, your Commercial Umbrella would pick up the additional $1.5 million, plus your legal expenses.

There’s no better investment to protect the time, hard work, and cash that you’ve invested in your business!


Because multi-million dollar judgments are relatively rare, you can buy up to $10 million in Commercial Umbrella coverage for a fairly low premium.

To determine how much coverage you need, consider the amount of risk associated with you business. The volume and success of litigation varies dramatically from state to state. If you do business in a state that seems to favor hefty damage awards, you might be wise to invest in a higher coverage amount.


The Commercial Umbrella policy usually includes:
  • Worldwide coverage
  • Personal Injury
  • Blanket Contractual Liability for written and oral contracts
  • Non-Owned Aircraft Liability
  • Watercraft Liability
  • Liquor Law Liability
  • X.C.U. Liability
  • Automatic coverage for additional insureds
When any of these coverages is included in your underlying (primary) General Liability insurance, it can reduce your premium.

A Commercial Umbrella Policy might also add coverages not offered or limited by your underlying Liability policies, such as Advertising Liability and Care, Custody, and Control Liability. If there’s a claim under one of these coverages, you will pay a Self-Insured Retention (SIR) — similar to a deductible — of at least $10,000 before your Umbrella policy picks up the rest of the tab.

NOTE: The Commercial Umbrella policy does not cover Professional Liability.
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