An Umbrella policy is a form of additional liability protection that kicks in after your Business or Commercial Auto Liability protection has been exhausted following a claim. Your Umbrella coverage is distinct from these policies and it builds onto both of them as a supplementary safeguard. Due to the fact that the underlying policies will pay out first you can usually add coverage very inexpensively, making it well worth the investment.
Depending on the type of business that you operate, you may experience higher limits. For example, businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, and/or significant public exposure may require more substantial coverage.