Commercial
Commercial umbrella
Extra liability limits that sit above your other business policies.
What it covers
The essentials, at a glance.
In practiceA lawsuit settles for more than your general-liability limit, and the umbrella covers the excess so it doesn't come out of the business.
Not coveredIt sits on top of your other policies and won't respond until their limits are used up.
In practiceBoth a liability claim and a serious auto claim run high, and the umbrella extends over both underlying policies.
Not coveredIt only extends the policies it is written above, not coverage those policies never provided.
In practiceA single large claim or judgment threatens the whole operation, and the extra layer keeps one event from wiping you out.
Not coveredAnything the underlying policy excludes is excluded by the umbrella too.
In practiceFor a modest premium you add millions in limit, which is far cheaper than absorbing a big claim yourself.
