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Commercial Umbrella Insurance

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Of course, as a business owner you have insurance to cover a variety of scenarios and risks. But what about those situations where insurance doesn’t go quite far enough?

Sometimes a lawsuit or judgment might exceed the amount your business policy covers — and then you’d be stuck paying the difference out of your own pocket. That could affect your profits and your livelihood — or that of your employees.

But a commercial umbrella insurance policy can provide extra reassurance that your business will be protected if you face a liability that exceeds your normal policy limits.

Why Get Commercial Umbrella Insurance?

Commercial umbrella insurance is like having an extra safety net. Say someone enters your business premises and has a serious slip-and-fall accident that results in major injuries. Sure, your business policy covers slip-and-falls, but only up to the policy limit. 

A really serious accident might involve medical costs that exceed those limits. Think about what just one surgery or hospital stay can cost these days. If your insurance doesn’t cover it all, then what do you do? What if you don’t have the cash on hand to cover it? And then lawsuit papers hit your mailbox?

A commercial umbrella policy covers those amounts that your underlying business policy doesn’t — as long as the loss isn’t the result of an intentional act. So, purchasing a little extra insurance could save you tens of thousands of dollars, or more, in the event of a catastrophic accident.

Discover More Coverage Options

Commercial umbrella insurance is just one option for extra protection for your business. Westfield offers many others that you may want to consider, as well as products and coverages for your personal assets. 

Talk to an independent Westfield agent about how you could benefit by including one or more of these in your package:

Connect With a Westfield Agent

If you’re unsure about the best ways to make sure your business is fully protected, talk to an independent Westfield agent. Our agents work with business owners like you every day and can listen to your needs, then provide you with the right coverage package at the right cost for you.

We have agents pretty much everywhere, so just plug your address or zip code into our convenient online tool and you can find an agent near you with one easy click. Try it out now.



Wherever you are and whenever you need us, we’ll be there. And now, so will your policy info.



  • We're one of the largest non-public companies in Ohio and the largest employer in Medina County.
  • We provide personal insurance in 10 states, commercial insurance in 21 states and surety products in 50 states through a network of more than a thousand leading independent agencies.
  • We've sponsored the Cleveland Cavaliers Straight "A" All-Stars since 2005.