Business insurance includes products designed to protect risks inherent to commercial enterprise such as commercial property, liability, business vehicles, workers compensation, and bonds.
We have special expertise in the following programs:
As an independent agent, we represent numerous commercial insurance companies offering a variety of coverage and price options. Equally important, we listen. We take the time to understand your business needs. We help you find the coverage you need at a price you can afford.
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Commercial umbrella insurance, sometimes referred to as excess liability insurance, is an important source of protection for business owners. The coverage provides additional liability limits on top of liability limits that exist in other commercial policies such as general liability, commercial auto, and employers liability. Umbrella insurance may also protect businesses from exclusions or gaps in underlying liability policies.
Commercial umbrella policies often offer such features as worldwide coverage, blanket contractual liability protection, and extension of protection to additional insureds. However, commercial umbrella insurance generally does not apply to professional liability insurance.
Umbrella insurance policyholders are responsible for keeping the schedule of underlying insurance policies in force, without alteration, during the term of the umbrella liability policy.
Commercial umbrella insurance tends to be relatively inexpensive for the additional protection afforded the business. Plus, as a business owner, you gain the peace of mind knowing that you are covered in the event of an expensive lawsuit.
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