Umbrella policies are designed to supplement existing insurance policies and business policies are no different. This type of policy will provide an additional layer of liability protection for your business.

Most business policies have a payout limit. Normally, your business would be responsible for any expenses that go above and beyond this limit. A commercial umbrella policy is all about going one step further. These unexpected expenses could put your business in danger of survival. If the payout limit is reached, your umbrella policy would then kick in and pay the remaining costs.

Commercial umbrella policies may also provide protection from accidents that may not be covered by your existing insurance policies.