Commercial Umbrella

Umbrella liability policy provides an insured with an “umbrella” of liability protection over the primarily liability insurance.

Cover Your Business with Umbrella Liability Insurance

Standard business liability coverage takes care of you and your business in most situations, but should a serious situations arise, commercial umbrella insurance will help ensure that your business is protected. 

What is umbrella insurance?

Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all the expenses. Essentially, it picks up where your general liability or other liability coverage stops, providing extra protection against bodily injury and/or property damage.

How commercial umbrella insurance works

A commercial umbrella policy serves two specific purposes:

• It expands the limit that your company already has in its existing, or underlying, liability policies.
  If your general liability policy offers a specific amount of coverage per occurrence, or has a maximum total amount, you can expand the limits with an 'extra' or 'umbrella' policy.
• It also provides coverage for things that your underlying policies may not cover.
  Some areas or situations that might exempt coverage by your main policy can be covered with an umbrella policy.
  The most obvious example would be to expand the coverage territory.

Customize your umbrella policy to fit your business needs

Our staff will fine tune your commercial umbrella policies to suit the needs of almost any business.

Request a quote that is customized to meet the specific needs of your business.

Get a quote from Clover today!

This is a list of information you should prepare in order to get a fast quote when speaking to an agent directly.

• The financial and operational details of your business.
• A copy of the declaration page of your current general liability and business auto insurance policy (if you have them).
• Any prior losses your company has experienced. Keep in mind that a loss doesn’t necessarily mean your premium will be higher.
• A list of the company’s officers, their positions and experience if they are different from the owners of record. Typically, the longer and more successful the company’s overall record, the better the risk for the insurer and the lower the premiums.
• Annual payroll and a breakdown of employees who are full-time, part-time, subcontractors or consultants.

OR Complete the Online quote form!