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BUSINESS INSURANCE

Let’s get you the right Umbrella policy

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An umbrella policy kicks in when your existing coverage is not enough.

A Commercial Umbrella policy gives you extra liability coverage to pay costs that exceed your existing liability policy limits. This coverage complements a General Liability, Commercial Auto, or Employment Practices Liability policies. Without Umbrella coverage, you'll be required to pay out of pocket for expenses that cost more than the coverage limits set in your primary liability policy.

"My CoverHound rep, Chris, was extremely helpful and knowledgeable of my needs. We discussed in detail what my business needs were and found great coverage at an affordable premium."

Jeffrey G.

How does a Commercial Umbrella Policy Work?

Example: Your company is found liable for a customer’s injuries from a slip and fall accident that occurred at your place of business. Your company is sued for $1.5 million but only has $1 million in liability coverage. A Commercial Umbrella policy will make up for the $500,000 difference in coverage limits.

What's covered?

  • Libel
  • Reputational damage
  • Vehicle accidents
  • Product liability
  • Customer injury (i.e. slip and fall injuries)
  • Workers compensation
  • Third-party property damage

What's NOT covered?

  • Liquor liability
  • Workers compensation, employers liability, and employment-related practices
  • Pollution
  • Aircraft or watercraft
  • Racing activities
  • Recall of products, work, or impaired property
  • Electronic data

Why CoverHound?

  • Curated Choice
    Our data-driven matches allow you to easily compare rates from trusted insurers, meaning you can find the best policy and get back to business ASAP.
  • Comprehensive Assessment
    We take the time to fully understand your business and its unique needs, so we can recommend the right coverage to protect your business and employees.
  • Objective Advice
    Our licensed advisors are compensated based on service, not sales commissions. You can count on their impartial advice to select the right coverage.
  • Value
    Did we mention CoverHound is free to use? And we comparison shop with 40+ carriers to ensure you get the best price for the coverage you need.

Learn about our other business insurance types:

Here's what our customers have to say

Hear directly from some of the people CoverHound has helped around the nation.

"I really love that we did business with a CoverHound. We are very pleased with service, price and quick turn around. With all this new virtual era this is the best way to shop for insurance. Thank you."

- Jose Ines Maldonado

"CoverHound advisors found me the best rate for my unique business. Everywhere I looked the rates were just too high. They have all the insurers at their fingertips so it's in your best interest to use CoverHound!!!"

- Ray Cook

"What a wonderful service you provide! I had checked at least four companies before checking with CoverHound for help finding insurance. Not only did I find insurance, but it was the best rate too! Thank you so much!"

- Mary Beach

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