Umbrella Insurance

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What is Commercial Umbrella Insurance?

Commercial Umbrella Insurance helps with providing a business with supplemental liability coverage to help protect them against claims that are valued above and beyond what the underlying insurance policy is subject to paying. Let’s face it, businesses are the ultimate targets of lawsuits. Without Commercial Umbrella Insurance, business owners could be obligated to pay out of pocket for legal fees, medical bills, and damage expenses that exceed the limits of their underlying primary business coverages.

Mainline Insurance has access to several insurance carriers who can provide affordable solutions for policies like a commercial umbrella and excess liability insurance.

What does Commercial Umbrella Insurance cover?

When a liability claim goes above the aggregate limit of liability, the policy limits are exhausted. By purchasing a commercial umbrella, you can protect your business from being liable for this excess liability judgment. A commercial umbrella covers the amount of loss above the limits of a basic liability policy. Commercial automobile, CGL, workers compensation, or any liability policy can be covered by a commercial umbrella policy. Here are some examples of when a commercial umbrella insurance policy will help protect a business:

A customer slips on a wet floor in your office and injures him/her self. The medical costs of the injuries could exceed your general liability policy’s limits. The umbrella policy will “kick in”.

Your employee causes a devastating accident in your work vehicle while you sent them to pick up supplies. The medical bills for the individual your employee hit exceed your commercial auto policy limits. The umbrella policy will help absorb that blow.

Does this sound like coverage your business can use? Protecting your business from devastating lawsuits and fees doesn’t have to cost a fortune. Give us a call.

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