Commercial Umbrella Insurance
Just like an umbrella provides extra coverage from the rain, umbrella liability insurance offers your business an added layer of protection beyond the limits of your standard policies. It’s designed to step in when a claim exceeds the coverage provided by your general liability, auto, or employer’s liability policies.
What Does a Commercial Umbrella Policy Cover?
Umbrella coverage can be added to:
- General liability insurance
- Commercial auto liability
- Hired and non-owned auto liability
- Employer’s liability policies
How It Works
Let’s say your general liability policy has a $1 million limit, but you're faced with a $1.5 million claim. Without umbrella coverage, your business would be responsible for the extra $500,000. With umbrella insurance, that gap is covered — helping protect your assets, reputation, and financial stability.
What It Doesn’t Cover
It’s important to know that umbrella policies do not extend over professional liability (E&O) insurance. If you offer professional services, you’ll need separate coverage to address those risks.
At Rowell Insurance Services, we’ll help you determine if a commercial umbrella policy makes sense for your business — and ensure you have the coverage to protect what you’ve worked hard to build.
