Commercial Umbrella Insurance

Provides an extra layer of protection by safeguarding your business when you breach the limits of your liability policy.

Does Your Business Need Commercial Umbrella Coverage?

Once a policy’s limit is reach, commercial umbrella insurance kicks in and provides an extra layer of protection to existing policies. Typically this type of insurance is advised when a contract requires policy limits that are over and above the standard. 

Every business should have general liability coverage, but sometimes it isn’t enough to defend your business against all of the risks you may face. If you have foot traffic from customers or vendors, a high-worth business, regularly enter external contracts, or own property that exceeds the limits on your commercial liabilities policies, you should consider a commercial umbrella policy

Don't Pay Out-of -Pocket for Judgement Costs Over Your Policy Limits

What Does Commercial Umbrella Insurance Cover?

Excess liability insurance provides you with a broader scope of protection. It extends the limits of your general liability insurance and commercial auto insurance policies. 

For instance, a general liability policy will cover bodily injury sustained while shopping at your place of business; commercial umbrella insurance can cover the legal fees that can come with an associated lawsuit.

The following are generally covered under Commercial Umbrella Insurance:

  • Bodily injury
  • Property damage
  • Lawsuits

Is Commercial Umbrella Coverage Right for Your Business?

Commercial umbrella insurance covers the gap between the limits of your existing policies and any out-of-pocket costs. Avoid costly losses and financial burdens with a policy that meets the needs of your business.

HVCU Insurance Services, Powered by InsureOne®, Can Protect Your Business from Risk Exposure

We Are Here To Help

Contact Us

Connect With Our Staff

Contact Us


Ask a Question 

Email Us

Locate a Branch/ATM

Visit Us

Important Legal Disclosures & Information

Insurance products offered through InsureOne Insurance Services America, LLC and its affiliated companies identified on Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states. Actual policy premium may vary based on driving records, garaging address, vehicle type, insurance coverage selected, and other underwriting factors. Other rates, service fees, restrictions, and charges may apply.