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Our agents work with carriers like Nationwide and Progressive directly to assure the lowest premiums on your commercial Umbrella Liability insurance policy.

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Who Needs Umbrella Liability Insurance?

While other commercial insurance policy types cover a range of costly risks to your business, they do have limits.

A commercial Umbrella Liability policy offers gap protection for when these risks exceed the current coverage offered, for example, by your general liability or commercial auto policies.

    • Personal Injury Lawsuits
    • Property Damage
    • Medical expenses for injuries
    • Car Accident Liability

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    Commercial Insurance

    Frequently Asked Questions

    What is Commercial Insurance?

    Commercial Insurance (also called Business Insurance), helps companies protect their intellectual and physical property and their financial assets. This includes losses that could result from lawsuits, property damage, workers' compensation, loss of income, cyber and privacy issues, and more.

    Commercial Auto Insurance coverage protects commercial vehicles along with the company employees who operate the vehicles when other individual car policies do not offer that type of auto insurance coverage.

    What type of coverage do I need for my employees?

    Businesses with employees are required by law in most states to provide Workers’ Compensation, Unemployment Insurance, and Disability Insurance in some states. Also, consider getting an Employment Practices Liability (EPL) policy that protects your business against allegations of discrimination, harassment, and wrongful termination of employees. Finally, keep Auto Insurance in mind if you or your employees are driving for work purposes. It can help cover the costs of possible accidents.

    How much insurance do I need?

    A good rule of thumb for budgeting for Commercial/Business Insurance is about 20 to 30 percent of your business’s gross income. These costs may vary depending on the coverage you need and the risks of certain industries.