Umbrella liability insurance refers to a type of liability insurance available to individuals and companies to protect them against claims above and beyond the amount covered by their primary policies or for types of claims not currently covered.

Without warning, a significant event or catastrophe can occur with extreme consequences to your bottom line. The damages can have a devastating impact on a company’s financials and operations. Having an Umbrella Liability policy in place is a necessary measure to protect and sustain current operations. An excess policy over your primary coverage can provide you with the security of added financial strength at the time of a major loss.

The primary policies an Umbrella policy will generally provide coverage over the following:

• Commercial Automobile
• Commercial General Liability
• Watercraft Liability
• Aircraft liability
• Employers’ Liability Insurance