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.
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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.
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