Commercial Umbrella

Commercial Umbrella Liability Insurance


The rising costs of lawsuits and judgments are important for today’s business owner to consider. Catastrophic liability losses can happen to any business at any time. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event. You need strong liability protection.

Utah – What you need to know about commercial umbrella insurance

Commercial umbrella insurance helps you protect your assets by providing liability limits above and beyond your other policies. In some cases, it even broadens your protection. Due to the unpredictable nature of jury awards, we recommend that your business insurance program have this coverage.

Liability Protection for Your Business

Basic overview of what Umbrella insurance covers.
Commercial umbrella insurance is an inexpensive way to create peace of mind for business owners. For as little as a few hundred dollars a year, an umbrella policy can protect you from the sometimes dramatically high losses of a lawsuit, a major accident, a catastrophic weather event, and more.

A business’s liability protection is frequently exercised in today’s lawsuit-ridden world. No business is too small to benefit from commercial umbrella insurance, when lawsuits are filed for nearly every possible reason. Slip-and-fall incidents are a common source of liability lawsuits against businesses, as are suits due to injury or illness caused by company products. Selling services doesn’t exempt you. For example, if your salon’s laser hair removal system burns a client, you may face a lawsuit. If your construction company completes a deck and the deck collapses, resulting in injuries, death, or property damage, you can be held liable and subject to a massive jury award. One sizable liability award in a lawsuit, or even a settlement out of court, can cripple or bankrupt your business.

A commercial umbrella insurance policy covers over all your other business insurance policies, including other liability policies. It fills in coverage gaps and picks up at the end of other policies’ limits. An umbrella policy has greater reach and offers more protection than a standard, general liability policy in serious events. When you are sued or have to pay out for liability, your primary insurance policy for that situation pays up to its limit. If the expenses or jury award is larger than that limit, your commercial umbrella insurance kicks in and pays whatever amount is left, up to the maximum on the umbrella policy.

A Business Umbrella Policy at the Best Price

At Express Insurance, our independent agents will search the offerings of all our partner insurers to find or design a commercial umbrella insurance policy that will provide the right protection for your business at the right price. Put us to work for you, to find the coverage that best meets your needs.

To find out more about this product and other business insurance and services, contact us today.

3301 N University Ave Provo, Utah 84604
Phone: (801) 655-1823 URL of Map