Commercial Umbrella

Commercial Umbrella Liability coverage offers protection against catastrophic losses. It is generally written over various primary liability coverages, including, but not limited to: Commercial General Liability, Commercial Auto Liability, and Workers Compensation Liability. The Umbrella policy serves three purposes:

1. To provide excess Limits when the underlying policy limits have been exhausted by the payment of claims.
2. To drop down and provide coverage where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims.
3. Provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention (SIR).

Complementary Products

Business Owners

Liquor Liability

Hired / Non-Owned Auto

Workers’ Compensation