Small Business Umbrella Insurance
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We make sure your business is protected from the unexpected with a comprehensive Commercial Umbrella Insurance Policy.
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What Is Commercial Umbrella Insurance?
Commercial umbrella insurance is an additional insurance policy commonly bought to maximize coverage terms and limits of another policy.
In addition to your Liability policies, commercial umbrella insurance provides an extra layer of protection if a claim surpasses your liability insurance coverage. This policy essentially raises the coverage of your existing policies.
Anyone with high-value assets or working on a high-risk project should consider a commercial umbrella insurance policy. This may include heavy operating equipment, expensive automobiles, or if you are working on an expensive project for a client.
Every business owner should consider commercial umbrella liability insurance. We live in a litigious society. No matter how careful you are, there is always the possibility your business will be sued.
But every small business is vulnerable to a major catastrophe or a lawsuit. Think about some of the devastating losses you have heard about recently and the large settlements that are awarded in courts these days. It is possible these losses could exceed your primary insurance coverage.
Article Table of Contents
- What Is Commercial Umbrella Insurance?
- How Much Does Commercial Umbrella Insurance Cost?
- Get Your Free Commercial Umbrella Insurance Quote
- What Does Commercial Umbrella Insurance Cover?
- What Other Contractors Had to Say About Getting Their Policy Through Contractors Liability…
- Frequently Asked Questions (FAQ)
Commercial Umbrella Insurance is also known as business umbrella insurance or excess liability insurance.
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How Much Does Commercial Umbrella Insurance Cost?
Umbrella liability insurance is important because it covers these unforeseen events. It is not expensive, and, in certain instances, it could literally save your business. Umbrella coverage is no longer a luxury. With a Contractors Liability umbrella policy, you can get up to $10 million of liability protection over and above the limits of other insurance policies, you have for your business.
Contractors Liability will write umbrella coverage for business liability, Commercial auto liability, and workers’ compensation. The cost of this peace of mind insurance is surprisingly small.
Protect your business. It is competitive, fast, and convenient. If you have any questions while filling out the online application, please call the toll-free numbers displayed or click on the on-line chat button and a licensed Contractors Liability insurance agent will assist you.
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What Does Commercial Umbrella Insurance Cover?
Commercial umbrella insurance provides coverage for the same claims as to your Liability insurance, however, it is used to cover the costs that your policy cannot cover. It does not broaden what is covered, but how much coverage you can get for a claim.
For example:
If your liability policy covers up to $1 million in coverage, but your claim is $1.5 million in damages, an umbrella insurance policy would prevent you from paying the remainder out of pocket.
What Other Contractors Had to Say About Getting Their Policy Through Contractors Liability…
Frequently Asked Questions (FAQ)
The following are common questions about Commercial Umbrella Insurance.
Every small business is vulnerable to a major catastrophe or a lawsuit. Think about some of the devastating losses you have heard about recently and the large settlements that are awarded in courts these days.
It is possible these losses could exceed your primary insurance coverage. The possibilities are endless; a plumber might repair a simple pipe and cause a flood, ruining expensive and sensitive manufacturing equipment.
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- We negotiate with insurers to achieve effective solutions
- Knowledgeable and professional sales team
- A-rated insurance companies
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- Easy payment options
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Other Insurance Worth Considering
Builders Risk Insurance
Having builder’s risk insurance shows your clients that you are committed to taking care of their property and are covered for any potential losses.
Commercial Auto Insurance
Keep your business rolling smoothly with commercial auto insurance, covering damages and liability on the vehicles that drive your success.
Tools & Equipment Insurance
Your tools and equipment are the backbone of your business. Insure them with tools and equipment insurance to avoid setbacks and financial hardship.
Workers Compensation
Workers compensation insurance is essential for safeguarding your team from the unexpected. Show your employees they’re valued by securing a policy that protects them on and off the job.