Commercial Umbrella Insurance That Extends Your Protection
When Standard Coverage Isn’t Enough, We’ve Got You Covered
Major claims can happen fast—and when they do, your standard liability policies may not go far enough. Commercial umbrella insurance adds an extra layer of protection above your existing coverage, helping shield your business from large lawsuits and costly judgments. At Security Insurance Agency, we help you plan ahead for the unexpected.
Extra coverage, without extra complexity.
Why Businesses Add Umbrella Coverage Through Us
We help businesses stay protected even when claims exceed the limits of their general liability, commercial auto, or employer liability policies. It’s affordable, effective, and often the difference between recovery and setback.
Our team makes it easy to understand how umbrella insurance fits into your current coverage—and what limits make sense based on your risk and exposure.
What Does Commercial Umbrella Insurance Cover?
01
Excess Liability Coverage
Extends the limits of your existing policies when a claim exceeds their maximum payout.
02
Legal Fees & Judgments
Covers large legal expenses and court-awarded damages that go beyond your primary policy limits.
03
Cross-Policy Support
Works with multiple underlying policies—including general liability, commercial auto, and employer’s liability—to offer broad, flexible protection.
Your commercial umbrella insurance questions, answered.
Umbrella insurance is often misunderstood—here’s what you should know before deciding if it’s right for your business.
1. How much umbrella coverage do I need?
That depends on your industry, assets, and liability risks. We’ll help assess your exposure and recommend appropriate limits.
2. Does umbrella insurance cover everything my other policies don’t?
No—it extends the limits of what’s already covered. It doesn’t add coverage for new types of risks.
3. Is umbrella insurance only for large businesses?
Not at all. Small and midsize businesses often face legal claims that exceed their standard limits. Umbrella coverage adds affordable peace of mind.
4. What are the underlying policy requirements?
To activate umbrella coverage, you need to maintain minimum limits on your base liability policies. We’ll help you make sure your setup qualifies.
5. Can umbrella coverage be bundled with other policies?
Yes, and doing so can streamline your protection and reduce premiums. We’ll show you how it all fits together.