EXCESS / UMBRELLA COVERAGE

Umbrella insurance coverage is an essential layer of protection for businesses, providing additional liability coverage above and beyond the limits of their underlying primary insurance policies. It acts as an umbrella, extending coverage across multiple liability policies, such as general liability, employer's liability, and commercial auto liability. This insurance fills in the gaps and provides higher limits of coverage, offering a safety net against catastrophic events or claims that exceed the limits of primary policies. In the event of a large lawsuit or a significant liability claim, commercial umbrella insurance kicks in, covering the excess amount beyond the primary policy limits. It protects businesses from devastating financial losses, legal expenses, and potential bankruptcy. With commercial umbrella insurance, businesses can confidently operate, knowing that they have an extra layer of comprehensive coverage that shields them from unforeseen and financially burdensome liabilities.