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WHAT IS UMBRELLA / EXCESS COVERAGE?

Seems like the sky's the limit when it comes to legal settlements. The number of lawsuits filed against companies and the size of the settlements are on the rise.

Chances are the amount of liability protection from your general liability insurance, commercial auto insurance and employer's liability policy may not provide enough financial protection. This can leave your business open to risk and make your assets vulnerable.

Open a Commercial Umbrella Policy. It can increase your liability protection when a

lawsuit maxes out the limits of your current coverage.


These days' lawsuits seem to pop up from the most surprising places. An employee driving their own car to a meeting accidentally strikes a pedestrian, and you get sued. A patron slips and falls and injures themselves while exiting your business, and you get sued. An advertisement lists the wrong number, causing thousands of annoying phone calls at an unrelated business, and you get sued.

A business umbrella policy can help by providing increased limits of financial protection to your business from unexpected risks – and it's surprisingly affordable. That's because the underlying policy limits are used first and your commercial umbrella coverage limits only kick in after those policies have reached their limits.