An umbrella policy is an additional layer of liability insurance over existing underlying policies acquired in order to help protect your business from major claims and lawsuits. It is set in place to extend coverage once your commercial general liability or BOP policy has exceeded its limits to protect your business against the potentially devastating costs of claims or lawsuits.

Coverage Includes

• Other person's medical expenses and funeral costs
• Other person's property damage
• Lawsuits
• Your legal defense costs

Coverage Excludes

• Your own injuries or medical expenses
• Damage to your commercial property or contents
• Errors and Omissons/Personal Liability Insurance*
• Claims already covered by underlying policies
• Claims in which you do not own primary coverage for

* If a client sues your business from Error and Omissions negligence, umbrella insurance will not extend coverage from your underlying policy.

Coverages

You may be obligated to pay out of pocket for legal fees, medical and damage expenses that exceed the limits of your underlying primary business coverage. The umbrella policy will safeguard your business and begin coverages once you have reached the maximum coverage limits of your original policies.

Coverages may include:

• Bodily injury or property damage
  Covers claims in which you or your employees caused another person bodily harm or damaged another person’s property.
• Reputational harm
  Assists with claims of malicious prosecution, libel, slander, wrongful eviction, violation of the rights of privacy and more.
• Advertising errors
  Assists with claims of false advertisement or copyright infringement that occurs with your business advertisement.
• Damage to rented property
  Covers property damage you rent for business in the case of a fire, lightning or an explosion.
• Medical payments
  Covers medical expenses in the event someone sustains an injury at your place of business.

Call us today to help protect you from unexpected situations so you can continue to focus on what matters most!