Commercial Insurance
Commercial Umbrella
Adds an extra layer of liability protection on top of your existing policies when a large claim exceeds their limits.
What it is
A commercial umbrella adds an extra layer of liability protection on top of your existing policies. When a serious claim or lawsuit blows past the limits on your general liability, commercial auto, or employer's liability, the umbrella picks up where they stop. It is often the difference between a bad day and a business-ending one.
What Commercial Umbrella covers
- Additional liability limits above general liability, commercial auto, and employer liability
- Large claims and lawsuits that would otherwise blow past your underlying limits
- Legal defense costs related to covered claims that reach into the umbrella
- Multiple underlying policies under one extended layer of protection
- The kind of catastrophic, business-threatening claim a standard policy may not fully cover
Industries we write commercial umbrella for
FAQ
Commercial Umbrella: common questions
How much umbrella coverage do I need?
It depends on your assets and any contract requirements. Many WNY businesses start with one million in extra limits and increase from there.
What does an umbrella sit on top of?
Usually your general liability, commercial auto, and employer's liability. It adds limits above those policies for a large covered claim.
Is it expensive?
Umbrella coverage is often surprisingly affordable for the protection it adds. We will show you the cost in a quick quote.
Independent advantage
We shop it. You decide.
We place commercial umbrella across many top markets, including a new appointment with The Hartford, so you get the right fit instead of one company's price.