Commercial Umbrella Coverage

An additional layer of insurance protection for major loss

A commercial umbrella liability policy, increasingly referred to as an excess policy, can provide an additional layer of insurance protection to handle major losses.


A business owner may consider an accident that does not involve a fatality to be one that can readily handled by regular coverage. The reality is that such an accident may result in substantial medical care, lost income, and other expenses.

Can your business afford a payment that exceeds a million dollars?

An umbrella liability policy could be the difference between bankruptcy and an on—going business venture. The umbrella policy would take over where the liability policy stopped, providing defense coverage and additional limits to pay large judgments.