Commercial Umbrella Insurance

An extra layer of coverage to protect your business.

Commercial umbrella insurance to cover your company.

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Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We’ll work with you to find the right umbrella solution to cover all your business needs.

Commercial umbrella insurance, also called excess liability insurance, provides extra coverage above the limits of your other commercial liability policies such as commercial property insurance and commercial general liability coverage.

Umbrella insurance protects business owners from specific liability issues- like property damage and medical expenses- that exceed typical policy limits of $1 million.

What does commercial umbrella insurance cover?

This type of insurance policy covers similar incidents that general liability and property insurance properties cover, but with a higher limit. Covered incidents include:

  • Slip and fall injuries at your business
  • Customer illness and injury
  • Property damage
  • Vehicular accidents
  • Reputational damage
  • Product liability

However, it’s important to note that umbrella insurance will only provide additional coverage for these incidents. If you don’t have commercial auto insurance, for example, umbrella insurance will not be able to cover any excess coverage for vehicular accidents. The same goes with general liability claim incidents and commercial property claims.

As a responsible business owner, you should ensure that your business is protected in every way. For help finding a cost-effective commercial umbrella insurance policy, speak with one of our experienced Illinois insurance agents at Reliant Agency or fill out a quote request below.

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