Commercial Umbrella Insurance-Extra Protection for Your Business's Future
Why Add a Commercial Umbrella Policy?
In today's world, million-dollar lawsuits and catastrophic claims aren't rare-they're a real threat. A commercial umbrella policy adds an extra layer of liability coverage on top of your existing General Liability, Commercial Auto, and employer liability policies. It's the safety net that kicks in when a claim exceeds your primary limits-so one big incident doesn't jeopardize everything you've built.
How Does Commercial Umbrella Coverage Work?
Let's say your business faces a $2 million lawsuit, but your General Liability covers only $1 million. Without umbrella insurance, you'd pay the rest out-of-pocket. With an umbrella, that extra million is covered-no crisis, no financial ruin. Umbrella coverage is usually sold in $1 million increments, allowing you to easily boost your overall liability limits to $2M, $5M, or more.
Who Should Consider an Umbrella Policy?
- Contractors and builders
- Manufacturers and distributors
- Businesses with vehicles, fleets, or delivery operations
- Any business with public foot traffic, events, or higher risk
- Companies with contracts requiring $2M+ in liability
- Growing businesses with more at stake
If your business faces the public, serves clients, or just wants true peace of mind, umbrella insurance is a smart move.
Seamless Integration With Your Policies
Shaver Insurance ensures your umbrella is properly aligned with your underlying General Liability, Auto, and employer liability limits. We handle the compliance and details so you have seamless, gap-free protection-no surprises. Umbrella policies typically do not cover exposures not listed in your base policies (with few exceptions), but they do provide a crucial boost to your protection where it matters most.
Affordable, High-Value Security
Commercial umbrella coverage is cost-effective-often a small premium compared to the millions in extra protection. Shaver Insurance finds the right amount and the right price, based on your risk profile, industry, and contracts. Don't overpay, and don't leave yourself exposed.
Ready to Extend Your Coverage? Let's Talk
Don't let your insurance limits limit your business. Ask about commercial umbrella insurance and see how a modest investment can protect your business from the unthinkable-and help you qualify for bigger contracts with higher liability demands.
