Extra Protection When It Matters Most
Your $1 million liability policy seemed like enough—until the $2.3 million judgment.
A delivery van driver ran a red light and caused a multi-vehicle accident. Three people were seriously injured. Medical bills exceeded $1.8 million. The business's commercial auto policy had a $1 million limit.
The gap: $800,000+
The business owner had to pay out of pocket—losing their building and nearly everything.
Lawsuit awards are climbing every year. What seemed like adequate coverage five years ago is dangerously low today.
$75K-$150K
average personal injury settlement
$500K-$2M+
serious injury cases
$5M+
catastrophic injury claims
$1M
your standard policy limit
1
Claim Amount
$1,500,000
Serious injury judgment
2
Primary Policy
$1,000,000
General liability pays first
3
Umbrella Kicks In
$500,000
Remaining amount covered
Your out-of-pocket cost: $0 (minus deductible)
Slip-and-falls, product liability, property damage, libel/slander
Serious accidents, multi-vehicle collisions, pedestrian injuries
Employee injury claims, third-party lawsuits, loss of consortium
$1M
umbrella
$2M
umbrella
$3M
umbrella
$5M+
umbrella
One umbrella policy covers multiple underlying policies
Every business with assets to protect should consider umbrella coverage.
Delivery services, contractors, logistics companies, sales teams
Retail stores, restaurants, hotels, entertainment venues
Manufacturing, construction, warehousing, recreation facilities
Real estate holdings, expensive equipment, substantial cash reserves
Professional practices, family businesses, investment-backed companies
Any business that wants to protect against catastrophic loss
Commercial umbrella premiums are affordable because claims exceeding underlying limits are relatively rare.
$1 million in additional coverage can cost less than $100/month.
Your standard policies have limits. Serious claims don't. Protect everything you've built with commercial umbrella insurance.