Commercial Umbrella Insurance
When a major claim or lawsuit exceeds the limits of your general liability, auto, or workers' comp policy, commercial umbrella insurance steps in. At The Mackrides Insurance Group, we help businesses across Pennsylvania add this extra layer of protection to keep operations and finances secure, no matter what challenges arise.
Do I Need Commercial Umbrella Insurance?
If your business faces high risks, owns multiple vehicles, or frequently works with the public, commercial umbrella insurance is a smart way to boost your liability coverage.
Covers Large Claims
When other liability policies reach their limits, an umbrella policy provides backup.
- Additional coverage for lawsuits and legal fees
- Helps with large medical or property claims
- Protects assets from catastrophic losses
Works with Existing Policies
Umbrella coverage extends beyond your current policies.
- Adds extra protection to general liability
- Extends commercial auto liability limits
- Complements workers' comp employer liability coverage
Cost-Effective Protection
Umbrella policies provide millions in coverage for a fraction of the cost of increasing primary limits.
- Affordable way to enhance coverage
- Scales with your business's growth
- Flexible limit options
Peace of Mind in High-Risk Situations
From severe accidents to large customer claims, an umbrella policy helps shield your business.
- Reduces financial strain after major incidents
- Ideal for contractors, fleet owners, or customer-facing industries
- Great for companies with high exposure risks
Umbrella coverage is designed to provide additional liability protection:
What Does Commercial Umbrella Insurance Cover?
Bodily Injury Liability
Extends coverage for large injury claims.
Property Damage Liability
Adds limits for property damage caused by your business.
Legal Defense Costs
Pays attorney fees and court costs beyond standard policy limits.
Catastrophic Claims
Protects your business in rare but high-cost scenarios.
Understanding Commercial Umbrella Insurance Options
We'll help you select the right umbrella coverage based on your industry and risk profile:
- Standard Coverage Limits - Start at $1 million and can be increased as needed.
- Policy Integration - Ensures seamless coverage across liability, auto, and workers' comp.
- Affordable Add-Ons - Combine with general liability or EPLI for layered protection.
- Industry-Specific Adjustments -
Tailored for contractors, retailers, or corporate clients.
Frequently Asked Questions
Do all businesses need umbrella insurance?
Not all, but it's highly recommended for companies with high liability exposure or valuable assets.
How does commercial umbrella differ from general liability?
General liability is your primary coverage; umbrella insurance adds extra protection on top of it.
Does umbrella insurance cover employee injuries?
It doesn't replace workers' comp, but it can enhance employer liability coverage.
Is umbrella insurance expensive?
Not usually. It's one of the most cost-effective ways to add substantial liability protection.
Can I bundle umbrella coverage with other business policies?
Yes. We often combine it with general liability, commercial auto, or property insurance for better value.
