Small Business - Umbrella

Extended liability coverage for businesses that need more

An umbrella policy provides additional liability coverage over your "underlying" general liability, business owners or business auto policies. The umbrella policy typically will apply when the limits on these policies are exhausted, providing an extra layer of protection.

Umbrella coverage may also be broader in some areas, such as a wider coverage territory and protection for personal injuries, such as mental anguish. If someone is hurt on your business property, your standard liability coverage may not be enough if the person is seriously injured.

Typically, an umbrella policy is an inexpensive compared to the amount of extra coverage it provides.

Is an umbrella policy right for your business? Contact an independent agent to find out if your business needs additional coverage.