No business owner wants to think about potentially catastrophic claims, yet the reality is, they can and do happen. Business umbrella insurance protects you from major claims that have the potential to cause serious financial harm otherwise.
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Business umbrella insurance provides you and your business an extra layer of protection above and beyond what is covered under your general liability or other liability policies. It can protect you from catastrophic claims that can be costly and exceed your current coverages. It works a lot like a personal umbrella policy that covers you for claims that exceed your home, auto, or renters' insurance limits.
Typically, business umbrella insurance offers you $1 million or more in extra coverage above your existing policies' liability coverage. That extra coverage can protect you from claims arising from:
Business umbrella insurance is a great option for businesses that interact with their clients. It becomes even more important if your business operates heavy or dangerous equipment. Business owners typically purchase business umbrella insurance if there is the chance a claim could exceed their current liability coverages. You might consider purchasing business umbrella insurance if your business:
If people can visit your business or property, the chances of bodily injury increase, especially if there is equipment and machinery operating at the time. Furthermore, if you work on another person's property, you could accidentally cause damage to their property. Business umbrella insurance helps cover you in both instances.
Business umbrella insurance extends your liability coverage above and beyond what your current liability policies offer. Business umbrella insurance is flexible, and can extend liability coverage even if you have liability policies with another company.
Provide your business with an extra layer of protection.
General liability insurance, also referred to as business liability insurance, is coverage that protects you and your business from a variety of claims, including bodily injury, damage to property, or personal injury.
It’s not about your professionalism, training, or years of experience. It’s about human nature. Mistakes happen to the best of us, no matter how experienced. Protect your business from claims of negligence with a professional liability policy.
Whether it's one vehicle or a fleet of hundreds, business auto insurance is essential in protecting an asset your business probably couldn't operate without.