Most of us are familiar with Residential Umbrella Insurance. Commercial Umbrella Insurance provides businesses with added liability coverage when claims exceed the limits of certain primary insurance policies, such as general liability or commercial auto.

Think of umbrella insurance as a backup for business liability policies that you already have. When a claim exceeds your primary policy's limit, you can apply your umbrella coverage to the amount still owed on the claim.

Usually, umbrella coverage can be applied to claims made on these types of liability insurance policies:

· General liability insurance

· Commercial auto / Hired and non-owned auto insurance

· Employer's liability insurance

This is what sets umbrella insurance apart from most policies. It is only useful when your liability policies have reached their limits. It is like a reserve policy that fills in any gaps if a claim exceeds your other policy limits.

Be sure to discuss with our agents the best type of umbrella insurance you need. Also, depending on your policy, you may have to make a separate claim on your umbrella policy, depending on whether its coverage responds automatically. If it isn’t automatic, you may have to file two claims: one on the initial underlying policy and one on the umbrella policy.

Keep in mind that many different types of businesses can benefit from the additional coverage and protection that umbrella insurance provides. Businesses that should consider purchasing this coverage include:

· Consulting

· Food and beverage

· Healthcare professionals

· Home-based businesses

· Insurance professionals

· Nonprofits

· Personal care

· Photo and video

· Retail

· Technology / IT

Our specialized business agents will guide you on the different types of umbrella coverage that your business may need so you know what to expect from your policy.