Commercial umbrella insurance helps your business weather the most severe financial storms.
Supplement your primary commercial policies with a critical safety net that catches what others miss.
Deploy backup coverage to protect your bottom line.
Commercial umbrella insurance is all about taking your financial security one step further. It serves as a secondary layer of protection that activates only when the absolute worst-case scenario occurs. If a massive claim exhausts the limits of your standard business insurance policies, an umbrella policy kicks in to cover the remaining costs—preventing you from having to pay devastating expenses entirely out of pocket.
Protection that begins where your other policies end.
Almost all commercial property and liability policies feature a maximum payout limit. Once that limit is reached, your business is legally responsible for paying the rest. A lawsuit or massive property loss that exceeds your primary limits could easily bankrupt a successful company. A commercial umbrella policy acts as an emergency reserve, activating the moment your primary policy is maxed out and paying the remaining balance.
How umbrella coverage works in the real world.
Imagine your business faces a major lawsuit and the court awards $700,000 in damages to the plaintiff. However, your standard general liability policy only has a maximum payout limit of $500,000. Without umbrella coverage, your company would have to immediately pay the remaining $200,000 out of pocket. With a commercial umbrella policy in place, your liability policy pays the first $500,000, and your umbrella policy seamlessly covers the final $200,000.
What does a commercial umbrella policy cover?
When acting as a supplement to your underlying liability coverage, an umbrella policy can help cover excess legal defense fees, medical expenses, and massive settlement costs associated with severe bodily injury or property damage claims.
Does your business need this extra layer of security?
Determining your need for an umbrella policy requires looking at your risk exposure. You should heavily consider this coverage if your business is open to the public, you frequently host clients, your employees operate heavy machinery, or your team performs physical work on third-party properties.
A surprisingly affordable investment.
Because an umbrella policy only pays out after your primary policies have been completely exhausted, the statistical likelihood of a claim is much lower. Because of this, commercial umbrella insurance is typically far more affordable than most business owners expect. Your exact cost will depend on your industry, business size, and the limits of your existing primary policies.
Commercial umbrella insurance is the ultimate safeguard for your hard-earned assets. Contact us today to learn more about adding this vital protection to your portfolio.
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A Game-Changer
"Their expertise in EPLI coverage was a game-changer for us. We now feel confident knowing our business is protected from employment-related risks.”
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We offer a unique integration of services designed For over a decade, Employer Insurance Services has served as a pillar of support for local businesses. Based in Riverside, we understand the local economic landscape and the specific challenges California employers face. We aren't just a service provider; we are your dedicated back-office partner.