Umbrella Liability Insurance For Your Business

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Umbrella policies offer additional protection for catastrophes, unusual exposures, and additional liability limits beyond underlying insurance coverages.

  • High limits – Affordable protection of $1,000,000 or more for each occurrence in excess of the underlying insurance.
  • Broad coverage – Protection goes beyond the scope of limits provided by the underlying coverage.
  • Legal costs in addition to limits – Legal defense costs are covered in addition to the umbrella limits of liability.
  • Legal defense from the first dollar – If the underlying policy does not provide this protection, legal defense and settlement costs are covered from the first dollar.

 

Umbrellas Can Also Include:

  • Coverage for tenants’ property damage liability
  • Medical Payments
  • Expanded Fire Damage – Coverage is extended to apply not only as a result of fire, but also explosion, release of smoke from an unfriendly fire, or sprinkler leakage incidents
  • Coverage is provided for additional insureds when required by written contract
  • Extended Property Damage – coverage is provided for bodily injury and property damage resulting from the use of reasonable force to protect persons or property
  • Additional insured status is extended to employees who provide professional health services when this exposure is incidental

Our umbrella policies can be designed to meet your specific needs for a well-rounded business insurance program.



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