Commercial Umbrella Insurance

Building a successful business takes years of time, hard work and determination. Don’t expose yourself and your family to the chance of letting it all go to waste. In the current economic climate where law suits are a dime a dozen, one multi-million-dollar lawsuit can erase years of work and tons of money. If you have a business owners’ policy then you most likely have a liability limit of one million dollars. But is that really enough? If you have ever been involved in a law suit you know that even if you win or lose, the costs associated with defending yourself can very easily pass one million dollars. Furthermore, it is not only your current assets that are at risk but your future assets also. Ever consider what would happen if a court targets your future earnings in order to satisfy a judgment? A Commercial Umbrella Policy will give you that extra layer of protection that will help you sleep at night. A business owner who takes time to carefully assess the situation will quickly realize that a commercial umbrella is an inexpensive way to assure that the assets they own remain theirs. At Meslee Insurance, our staff is waiting to discuss your situation and assess what type of liability limits are required to protect your business. With access to a variety of insurance carriers, you will be certain that you have found the very best coverage at the most affordable price. Having decades of experience in the industry, we have been down the road and back and will advise you on to protect your business, yourself and most importantly your family as you move forward.


Some Real Life Examples of how a Commercial Umbrella Policy Could Protect You


 EXAMPLE 1: A guest at your condominium is walking down the stairs and slips due to a loose railing. She is paralyzed by the fall and claims that the railing was loose and caused her to fall. The cost of damages came out to $6,150,000 


EXAMPLE 2: A contractor working on the roof of your building trips and falls through a skylight. The fall causes traumatic brain injury resulting in a severely diminished brain capacity. The cost of damages: $11,372,000


EXAMPLE 3: You own a auto body shop and fix some issues with a clients engine. An hour after driving off out of your lot, the car engine bursts causing him to cause a 6 way car crash. The cost for property damage and bodily injury: $2,158,000


Other information

  • Commercial Umbrella Policies provide excess limits over primary business owners’ liability, general liability, business auto liability, employers’ liability policies and some others. Furthermore, depending on the carrier, many commercial umbrella policies will offer broader coverage for some risks and under certain circumstances that the primary policy would.

  • Commercial Umbrella rates vary depending on a number of factors including but not limited to the size of a company, years in business, type of business or industry, number of employees, business location, number of previous claims & lawsuits and more.

  • Please visit our insurance glossary tab for a full list of insurance terms and definitions.

  • There are many discounts available to help reduce your premium. Please visit our learning insurance discounts page to find out more information on how to maximize your savings.


This page contains only a general description of coverages and is not a contract. Details of coverage or limits may vary in some states and by carrier. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.


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