Umbrella Insurance

Umbrella Insurance and Your Business

Your Umbrella insurance, also called excess liability insurance, is exactly what it sounds like; it's a safety umbrella to cover and protect you in the event of an emergency. An emergency in this case would be any tragedy that would cost your company beyond your existing coverage limits.

How Umbrella Insurance Works

Say you had a car accident in your work vehicle on the way to the construction site, and the settlement from the collision was $1.5M. Now imagine that the current limit on your commercial auto policy is only $1M. Who is left holding the check for the other half a million dollars? 

Unless you have umbrella insurance to cover your business, you are responsible for covering the remainder of any settlement above and beyond what your current policy will pay. As with most things in life, safe is better than sorry.

Get Umbrella Insurance for Your Business

We pride ourselves on understanding the unique insurance needs of contractors, and work hard to find you the lowest premiums and the best coverage for your business. To get affordable umbrella insurance coverage for your business, call Citizens General Insurance Brokers at (800) 621-0884 or complete the form on this page to get an instant insurance quote.