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Commercial Umbrella Insurance is a type of liability insurance that provides additional coverage beyond the limits of the underlying insurance policies of a business. It is designed to protect businesses from catastrophic losses that could potentially exceed the limits of their primary liability policies, such as general liability, auto liability, and employer's liability.

Businessmen with Umbrellas

Here Are Some Key Features And Aspects Of Commercial Umbrella Insurance

Liability Protection

Commercial Umbrella Insurance primarily focuses on liability coverage. It helps protect a business from the financial consequences of large liability claims, including legal expenses, settlements, and judgments.

Excess Coverage

It acts as excess insurance, meaning it comes into play when the limits of the underlying policies have been exhausted. For example, if a business has a general liability policy with a limit of $1 million and faces a lawsuit with damages exceeding that amount, the Commercial Umbrella Insurance can provide additional coverage, often in increments of $1 million.

Coverage Across Policies

Commercial Umbrella Insurance can extend coverage across various liability policies, such as general liability, commercial auto liability, and employer's liability. This means it can provide a broad and comprehensive layer of protection.


Considering the substantial coverage it offers, Commercial Umbrella Insurance is often relatively affordable. It provides businesses with a cost-effective way to enhance their overall liability protection.

Risk Management

Having a Commercial Umbrella policy is an essential component of a comprehensive risk management strategy for businesses. It helps safeguard against unforeseen and financially devastating events that could threaten the viability of the business.

Coverage Limits

Commercial Umbrella policies typically have higher coverage limits compared to underlying policies. The limits can vary based on the specific needs and risks of the business.

Wide Range of Businesses

Commercial Umbrella Insurance is suitable for a wide range of businesses, from small enterprises to large corporations. It is especially important for businesses that may face higher liability risks or those operating in industries with a higher likelihood of substantial claims.

It's crucial for businesses to carefully assess their liability risks and consult with insurance professionals to determine the appropriate amount of coverage needed through a Commercial Umbrella policy. This type of insurance adds an extra layer of protection, offering peace of mind in the face of potentially costly liability claims.

Annagard Insurance Agency is always here for all your insurance needs. Please feel free to call us at any time, we will be delighted to speak with you.

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