Under a Commercial Umbrella

Commercial Umbrella insurance, also referred to as Excess Liability, provides coverage when a liability claim exceeds the basic policy limits. For example, let’s say you have a General Liability policy with limits of $1 million and a judgment is rendered against your company for $2 million for a severe injury on your premises. Once the General Liability limits are exhausted, with a $2 million Umbrella policy, you will have enough to cover an insured liability event.

Our staff will review in detail how the policy works and help determine the amount of Excess coverage you need to feel financially secure, depending on your risk profile and how much you can afford to pay out-of-pocket in the event of a catastrophic liability loss.