Commercial Umbrella Insurance

Extra Protection for Your Business When It Matters Most.

What Is Commercial Umbrella Insurance?

Commercial umbrella insurance offers an extra layer of liability protection that goes beyond the limits of your existing business insurance policies. If your general liability, commercial auto, or workers’ compensation coverage reaches its limit, an umbrella policy steps in to cover the remaining costs—helping to protect your business from large, unexpected financial losses.


Without umbrella coverage, a major lawsuit or accident could leave your business vulnerable to out-of-pocket expenses that could jeopardize your financial stability.

A woman is sitting at a desk using a laptop computer and a calculator.

How Does Commercial Umbrella Insurance Work?

Commercial umbrella insurance works by extending the coverage limits of your primary policies, ensuring your business remains protected when claims exceed standard policy limits. A typical policy provides:

  • Increased Liability Limits

    Extends the coverage of general liability, auto liability, and employer liability policies.

  • Legal Defense Costs

    Helps cover attorney fees, court expenses, and settlements in high-value lawsuits.

  • Third-Party Bodily Injury Claims

    Protects against medical costs and damages resulting from serious injuries at your business.

  • Property Damage Liability

    Covers claims where your business is held responsible for damaging third-party property.

  • Coverage for Multiple Policies

    Applies additional protection to different types of liability policies under one umbrella.

Why Your Business Needs Commercial Umbrella Insurance

Lawsuits and accidents can happen when you least expect them, and settlement costs can quickly exceed standard policy limits. Commercial umbrella insurance helps your business:

A black and white icon of a bag with a check mark on it.

Stay Protected Against Large Claims

Adds an extra financial buffer for high-cost liability claims.

A white check mark in a black circle on a white background.

Meet Contract Requirements

Many clients and partners require businesses to carry higher liability limits.

A black and white icon of a stack of money.

Safeguard Business Assets

Protects your company’s financial health from unexpected legal expenses.

Get a Commercial Umbrella Insurance Quote Today

Ensure your business has the extra protection it needs to thrive. Contact Allgood Insurance today for a customized commercial umbrella insurance quote.