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 above your existing policies. It can respond to covered claims that exceed the limits on your general liability, commercial auto, or employer's liability. We can help you review your current limits, assets, and contract requirements to decide whether additional protection makes sense for your business.
What Commercial Umbrella covers
- Additional liability limits above general liability, commercial auto, and employer liability
- Covered claims and lawsuits that exceed your underlying limits
- Legal defense costs related to covered claims that reach into the umbrella
- Multiple underlying policies under one extended layer of protection
- Additional protection for covered claims beyond the limits of an underlying policy
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?
We can provide a quote and help you compare the cost with the additional limits, so you can decide whether it fits your needs and budget.
Guidance for your decision
Compare your options with a local agent.
We help you review commercial umbrella options from carriers including The Hartford, explain the differences, and choose coverage that fits your business.