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Commercial Umbrella Insurance 

Commercial umbrella insurance is a type of insurance that provides additional liability coverage above and beyond the limits of your existing liability insurance policies. It acts as a "safety net" to protect your business from large, unexpected claims.​

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Frequently Asked Questions

What types of liability does commercial umbrella insurance cover?

Commercial umbrella insurance typically covers a wide range of liability risks, including liability for bodily injury, property damage, personal injury, and advertising injury.​

Is commercial umbrella insurance required by law?

Commercial umbrella insurance is not required by law, but it is highly recommended for businesses that have a significant exposure to liability risks.​

How much coverage do I need for commercial umbrella insurance?

The amount of coverage you need for commercial umbrella insurance will depend on the specific risks your business faces. Factors to consider include the potential for large liability claims, the value of your assets, and the amount of coverage you already have under your existing liability insurance policies.​

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How does commercial umbrella insurance work with my existing liability insurance?

Commercial umbrella insurance works by providing additional coverage above and beyond the limits of your existing liability insurance policies. It kicks in when the limits of your underlying insurance policies have been exhausted.​

Can I purchase commercial umbrella insurance as a standalone policy or it needs to be added to existing policies?

Commercial umbrella insurance can be purchased as a standalone policy, but it is typically added to existing liability insurance policies. It's important to check with your insurance company to make sure you have the proper coverage and to understand how the umbrella policy interacts with your existing policies.

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What Our Clients Say

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Liz Chefalas

We are so grateful to have the Michael Lavelle Agency and “team” to assist us with all our insurance needs. At every time of need whether it be life, home, car insurance, or a claim, not only are they extremely knowledgeable and efficient, they are also helpful, and caring. We have been with the Lavelle Agency for over 25 years and could not be more satisfied with their services and professionalism. Mike, Kim, Matt, Kathy, and Maria are quite a team and we recommend them highly. Once you have Mike Lavelle as your agent, you can feel confident that you are always covered and cared for!
Bob & Liz C.
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