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Commercial Umbrella Insurance


Commercial umbrella insurance provides additional liability coverage above and beyond your other insurance policies, like general liability. One umbrella policy can provide several million dollars in extra liability protection that begins when your underlying policy limits are met.

At Pal & Associates, we’ll help you determine the coverage needed and connect you with the insurance company that best fits your needs and budget. Contact us or request quotes to get started now.

Commercial Umbrella Insurance Coverage

Auto Liability

Covers injury to another person that you or an employee cause behind the wheel.

Bodily Injury Liability

Covers injuries caused to another person which you’re liable for, like a customer that slips on a wet floor.

Property Damage Liability

Covers damage to another person or company’s property which you’re liable for.

Products & Completed Operations

Covers property damage or bodily injury caused as a result of a defective product or work performed.


Industries Covered

And More

How Does an Umbrella Policy Work?

A commercial umbrella covers liability exposures from multiple areas of risk, like auto liability and premises liability. However, it doesn’t provide coverage until the claim exceeds a large amount, like $1M. For that reason, it’s important you have primary coverage in place (general liability, commercial auto, etc.). 

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