Commercial Umbrella Policy
An Umbrella or Excess policy adds an additional layer of coverage over and above your underlying General Liability, Commercial Auto, Liquor Liability and your Employers Liability policies. This type of policy tends to be the most affordable way to increase your business liability limit. This coverage is intended to limit your liability to a greater degree available in the underlying policies. An Umbrella also offers protection in the case of a catastrophic event, i.e. negligence which may result in a very large settlement.