Commercial Umbrella

Commercial Umbrella
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Umbrella insurance, also called excess liability insurance, supplements the liability coverage provided by your primary liability insurance policy.
Commercial Umbrella Insurance helps to protect your business from the financial risk of large lawsuits against your company. It is a form of liability insurance that covers your business when your general liability, auto liability, or other coverages are not sufficient to pay for damages.

For example, if you have $1M in liability limits for a base policy and a $5M umbrella, then you have a total of $6M in liability insurance for any one claim.