As a business owner, you want to ensure you take all the necessary steps to keep your company protected.  This means having some sort of general liability insurance that will help cover your business in certain situations and workers’ compensation if you have employees. And if you operate vehicles on the road, commercial auto is a must.  But wouldn’t it be nice to have an insurance policy that goes above and beyond your basic liability coverages?  While each of these policies will protect your business up to a point, what if a judgement is rendered against you for more than what that policy covers? In order to avoid disaster, a commercial umbrella insurance policy is something you’ll want to consider.

What is commercial umbrella insurance?

Commercial umbrella insurance provides coverage above and beyond your general liability, commercial auto, and the Employers Liability portion of each insurance policy.  In essence, the commercial umbrella may more than double the protection received from the “underlying” policies.  If your business is an LLC, LLP or corporation a commercial umbrella policy may be a must for your clients as well.

Do I need commercial umbrella insurance for my business?

Think to yourself what you would do if (heaven forbid) a liability judgement was assessed against your business that exceeded the limits of your general policy. Any additional money owed beyond the general policy limits would have to be paid by the company.  If you have a commercial umbrella insurance policy, the additional money would be paid by that carrier, up to their policy limits. This could spell catastrophe for your company and even put you out of business or require a bankruptcy filing damaging the business’s credit rating.


Don’t wait to seek coverage after something comes to your attention that could result in a million-dollar problem. Getting this type of insurance is the way to go to avoid any unforeseen accidents.

Ready for the peace of mind that this inexpensive insurance necessity will bring to your business? Contact Robert Rice at Sargeant Insurance Agency, LLC – or (866) 804-4247 to discuss commercial umbrella insurance.