Additional liability protection above qualifying underlying policies.
A commercial umbrella adds another layer of liability protection on top of qualifying underlying policies. It is often the most efficient way to meet the higher limits that leases, clients, lenders and venues require.
Every policy is different. Your actual coverage depends on the policy terms, limits and exclusions.
Both add limits. An umbrella may sometimes broaden coverage, while excess policies follow the underlying terms. Forms vary by carrier.
Yes. Umbrellas sit above qualifying underlying policies such as general liability and commercial auto.
Protection for everyday business liability risks.
ExampleA client trips over a cable in your office and is injured. General liability can help with covered medical bills and your legal defense.
Coverage designed to protect employees and businesses when work-related injuries occur.
ExampleA kitchen employee burns their hand during a shift. Workers’ compensation can help pay for treatment and part of their wages while they heal.
A convenient combination of business property and liability protection for eligible businesses.
ExampleA pipe bursts and floods your shop. A BOP can help repair the space, replace damaged inventory and replace lost income while you are closed.
Tell us about your business and we’ll help you explore options and limits that fit.
