Commercial Umbrella Insurance

Commercial Umbrella Insurance: The Missing Piece of Your Business Coverage?

If you own a small business, you might occasionally wonder if your existing insurance coverages are enough to protect you against a liability claim fully. Maybe you feel like something's missing—almost like you've forgotten something. Perhaps you sometimes worry about it. If your business was judged legally liable for an accident on your premises and ordered to pay, would your general liability insurance be enough? If you don't carry commercial umbrella insurance, you're right to worry.

An Inconvenient Truth About General Liability Insurance

The simple truth is this: If a customer or even an employee suffered a significant injury on your premises and you were judged legally liable, your existing coverages could become depleted in the ensuing payout. If you run out of coverage, but still owe a significant portion on the judgment, who pays the rest? You do.

umbrella with rain drops

Umbrella Liability Insurance: Extra Coverage When Accidents Happen

Carrying general liability insurance is a responsible move, but every business needs coverages above and beyond basic policies. That's where umbrella insurance comes in.

Umbrella liability insurance protects you when accidents happen, and your existing liability insurance policies cannot cover all expenses.

In most situations, standard business liability coverage will take care of you. But when serious situations arise, umbrella liability insurance will help ensure that your business is protected. While no one wants accidents to happen, they do—and people sue over them; it's just an unfortunate fact of life.

For a Free Quote on Commercial Umbrella Insurance, Contact Woods Insurance Services

Got questions about how much coverage is appropriate for your business or other questions related to commercial coverage? At Woods Insurance, we’ve got the answers you need to make informed insurance decisions.


If you’re ready to see how much you can save on commercial umbrella insurance, call Woods Insurance at (800) 949-3720 today. For a free online insurance quote, fill out the quote form on this page! You can also stop by our Woods Insurance NM or Woods Insurance CO regional offices to learn more.


We’re licensed in 33 states, so get started today.

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