Commercial Umbrella

Commercial umbrella or excess insurance provides increased liability limits and is designed to covers these additional liability limits above your commercial auto, general liability, workers’ compensation, employer’s liability, employee benefits liability and professional liability.

Umbrella Liability insurance provides excess liability coverage that is typically broader than coverage in primary policies. Most Umbrella Liability policies contain one comprehensive insuring agreement, which usually states that the ultimate net loss (the total amount in excess of the primary limit for which the insured becomes legally obligated to pay for damages of bodily injury, property damage, personal injury, and
advertising injury) will be paid.