Extra Coverage, Extra Confidence: The Power Of A Commercial Umbrella Policy

• General Liability Insurance
• Commercial Auto Liability
• Employer’s Liability (part of Workers' Compensation)

• Physical hazards on-site
• Interactions with the public
• Use of company vehicles
• Employee-related incidents

• Excess liability coverage over general liability and auto liability
• Legal defense costs beyond standard policy limits
• Third-party injury or property damage claims
• Libel, slander, and defamation (when included in underlying policy)

• Increased Liability Protection
  Often provides an extra $1M to $10M in coverage
  
  
• Affordability
  Provides high limits at a relatively low premium compared to buying higher limits on individual policies
  
  
• Peace of Mind
  Reduces the risk of personal or business bankruptcy in case of a large claim
  
  
• Helps Meet Contractual Requirements
  Some clients or vendors may require higher liability limits, which umbrella policies can fulfill

• The business is responsible for the remaining $1.5 million
• This could bankrupt the company

• The umbrella covers the additional $1.5 million
• The business continues operating without financial disruption

• You interact regularly with the public
• You use vehicles for business
• You own physical property where accidents could occur
• You have contracts requiring higher coverage limits
• You operate in a litigious industry

Commercial Umbrella Policy

(859) 491-5100

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