Commercial Umbrella Insurance

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A commercial umbrella policy provides your business protection against large, catastrophic liability claims when your underlying policies have been exhausted. An umbrella policy sits on top of all 3 of your “underlying” policies, which are: General Liability, Commercial Auto, and Employers’ Liability.

In order for your umbrella to respond appropriately, you must carry specific limits on your Underlying Policies.

Those minimum limits are typically:

  • $1M/$2M for General Liability
  • $1M for Auto
  • $500,000 for Employers’ Liability

In today’s legal climate, it’s extremely risky for your business to not have some type of umbrella in place.