Business Insurance
Commercial Umbrella
Extra liability limits once the underlying policy is exhausted.
An umbrella sits above your other liability policies and takes over when their limits run out. A single serious injury claim can exceed a standard general liability limit quickly, and the excess falls on the business.
It is usually one of the cheapest ways to add meaningful protection, because it only responds after the underlying cover has paid.
Who usually needs it
Businesses with assets to protect, contracts requiring higher limits, vehicles on the road, or any operation where a serious injury is plausible.
Not sure whether you need this?
Tell us what your business does and we will tell you straight which coverages actually apply — and which you can skip.
Or call (503) 667-2820