What is a Commercial Umbrella?


A Commercial Umbrella provides businesses with additional liability coverage to help protect them against the potentially ruinous cost of claims.


This additional liability limit is on top of the primary general liability limit. Example, Let's say your primary policy has a liability limit of $1,000,000, and you purchased an umbrella with a limit of $2,000,000.

Your primary policy will pay first, and once that limit has been exhausted the umbrella limit will come into play.

The most important question when it comes to an umbrella policy is, how much is enough? You should always be insured up to your total assets, but again that is enough. Give us a call and we will help insure you correctly.