Umbrella Insurance

Companies face countless situations with the potential for liability. If you are sued, damages for the major of potential claims would fall within your primary liability policy limits. But every once in a while, severe claims hit with damages that exceed your liability policy limits. Umbrella policies prepare you for these unique circumstances by providing an extra layer of liability insurance.

If a court awards damages in excess of your primary insurance and you do not have an extra layer of umbrella protection, your organization could be held responsible for the remaining amount due – placing your assets and future earnings at risk.

Imagine what might happen if …

  • A driver has a medical emergency causing him to veer into oncoming traffic, inadvertently killing three people in the resulting accident
  • A nurse provides a patient with a fatal dose of the wrong medication
  • Someone brings a weapon into your facility and harms your customers or employees

Key features of umbrella insurance as part of a business insurance package:

Why should your organization consider an umbrella?

Companies face countless situations with the potential for liability. If you are sued, damages for the major of potential claims would fall within your primary liability policy limits. But every once in a while, severe claims hit with damages that exceed your liability policy limits. Umbrella policies prepare you for these unique circumstances by providing an extra layer of liability insurance. If a court awards damages in excess of your primary insurance and you do not have an extra layer of umbrella protection, your organization could be held responsible for the remaining amount due – placing your assets and future earnings at risk.

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