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What Is Commercial Umbrella Coverage?

Commercial umbrella coverage gives you extra liability coverage to help pay costs that exceed your general liability or other liability policy limits. Without this business insurance coverage, you’d have to pay out of pocket for expenses that cost more than your coverage limits, such as:


  • Legal fees

  • Medical bills

  • Damage expenses


A commercial umbrella policy works a lot like personal umbrella insurance, except personal umbrella insurance increases the coverage amounts for your:


  • Home insurance

  • Renters insurance

  • Auto insurance


For example, if you’re in a car accident and the damages exceed your auto insurance limits, a personal umbrella policy can help cover the difference. Or, if you’re sued for your dog biting your neighbor, and their medical costs are more than your homeowners policy limits, umbrella coverage can help.

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