What does Commercial Umbrella Insurance cover?

A Commercial Umbrella Policy increases your business’ liability protection in the event the costs of a lawsuit exceed the limits and protection of your underlying business liability coverage. So, a commercial umbrella insurance policy will help protect a business when accidents such as the following happen:
  • A customer injures themselves while on your premises and the medical costs of the injuries exceed your general liability policy’s limits.
  • Your business accidentally infringes on another’s copyright resulting in a major lawsuit against your business the cost of which exceeds your primary business liability insurance coverage limits.