Commercial Umbrella Insurance
Adding an extra layer of liability protection to shield your business from catastrophic financial claims.
Extra Liability Protection When You Need It Most
A single major lawsuit, catastrophic accident, or massive property damage claim can easily exceed the limits of your standard business liability policy. When your underlying policy cap is reached, your business is responsible for paying the remaining balance out of pocket. Commercial umbrella insurance prevents this financial disaster.
Often referred to as excess liability, an umbrella policy sits on top of your existing commercial auto, general liability, or employers’ liability coverage. As independent brokers, we evaluate your total risk exposure to find affordable umbrella policies from multiple carriers, ensuring your business assets remain safe from unpredictable legal expenses.
High-Limit Financial Security
A commercial umbrella policy activates seamlessly to cover major expenses when your primary insurance limits are completely exhausted, including:
Legal Defense Fees: Pays for costly attorney retainers, expert witness fees, and court costs during extended liability lawsuits.
Major Settlements: Covers substantial court-ordered judgments or out-of-court settlements that exceed your underlying policy caps.
Multi-Policy Extension: Increases the liability ceiling across multiple policies at once, including general liability and commercial auto.
Contractual Compliance: Helps you meet higher insurance limit requirements frequently demanded by commercial clients and municipal contracts.
The VRP Advantage
- Independent Local Agents
- Nearly 30 Years Experience
- Top-Rated Insurers Only
- Honest, Personalized Advice
Get Your Quote