Umbrella liability insurance for small businesses, also known as excess liability insurance or commercial umbrella insurance, provides additional protection when your business exceeds insurance limits on an underlying policy

For a single premium, umbrella liability or excess liability policies add another layer of protection to any of several other policies that you might hold, including general liability, employer's liability, and hired and non-owned auto liability policies. For instance, if you have $1 million in general liability coverage and a covered claim is settled for $1.5 million, your small business's umbrella liability insurance policy would pick up the additional amount.

Excess liability insurance is generally the most affordable way to get higher policy limits on several other small business insurance policies. However, you should note that umbrella liability insurance does not extend the coverage limits on an errors and omissions or professional liability policy.


  Retail
  Non-Profits
  Construction
  Manufacturing
  Restaurants
  Trucking
  Professional Liability

Contact us or a Quote on your Business Insurance

Email Brodie Larson blarson@vprm.net
or  Contact us  at  616-419-3118