Commercial Umbrella Insurance – Extra Protection When You Need It Most

Your standard commercial liability insurance is designed to protect your business from most injury or property damage claims. But in today’s world, lawsuits and legal judgments are becoming larger and more frequent — and in some cases, a single catastrophic claim can exceed your primary policy’s limits.

That’s where a Commercial Umbrella Policy comes in. This coverage provides an extra layer of liability protection that goes beyond the limits of your existing business liability policies. It can help ensure that one unexpected accident or lawsuit doesn’t put your business — and everything you’ve worked for — in jeopardy.

Real-World Situations Where an Umbrella Policy Can Save Your Business

• Serious Auto Accident – A company employee causes an accident that leaves another driver permanently disabled, with damages exceeding your auto liability limits.
• Defective Product – A product you manufacture or distribute is found defective and causes widespread illness, resulting in multiple claims.
• Alcohol-Related Incident – During a business dinner, an employee becomes intoxicated and causes an accident that injures a prospective client, leading to extensive medical and legal costs.

In cases like these, a Commercial Umbrella Policy can mean the difference between recovering from a claim and losing your business entirely.

Why Excess Liability Coverage is Essential

Even the most careful businesses face risks they can’t fully predict or control. If your commercial or professional liability limits are exceeded, your business could be responsible for paying the remaining damages out-of-pocket. A Commercial Umbrella Policy helps protect your assets, your reputation, and your ability to keep operating - even in the face of a major lawsuit.

At Meixell – Diehl Insurance, our agents can:

• Identify liability exposures unique to your business
• Review your current coverage limits
• Compare options from several top-rated insurance companies
• Recommend cost-effective ways to strengthen your protection

Contact us today for a free, no-obligation quote and learn how Commercial Umbrella Insurance can give you the peace of mind to focus on running your business, knowing you’re protected against the unexpected.