Umbrella insurance is exactly what it sounds like. It is a type of coverage that can be added to provide extra protection to a variety of other policies you already have in place.
When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not. The rising costs of lawsuits and judgments are important for today's business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event.
Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other policies. In some cases, it even broadens your protection. Due to the unpredictable nature of liability lawsuits, we recommend that your business insurance program include this coverage.