Commercial Umbrella Insurance
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Commercial Umbrella Insurance Information
Standard liability policies may not always provide enough coverage for large claims or lawsuits. Buschbach Insurance Agency, Inc. offers commercial umbrella insurance to help Oak Lawn, IL business owners find suitable coverage for their needs.
What Does Commercial Umbrella Insurance Cover? 
Commercial umbrella insurance can provide additional coverage above certain underlying policies. Businesses may use it alongside the following:
- General liability insurance may assist with large slip-and-fall injury or property damage claims.
- Employer’s liability insurance can help cover workplace injury claims that fall outside workers’ compensation coverage.
- Commercial auto liability insurance may provide additional support for business-owned vehicles and employees who drive for work.
Who Should Consider This Policy?
Standard commercial umbrella policies may suit businesses with higher liability exposure, frequent vehicle use, public interaction, valuable assets or higher liability limits. This may include:
- Retailers and restaurants with frequent customer traffic may face a higher risk of injury or property damage claims.
- Transportation and delivery companies that use vehicles daily can have greater auto liability exposure.
- Contractors and tradespeople may face job-site claims involving third-party injuries or damage to client property.
- Professional offices that regularly welcome clients or visitors may face premises liability claims, including slip-and-fall claims.
Why is Extra Liability Coverage Important?
Standard policies, such as general liability or commercial auto insurance, often have specific limits on how much they will pay for a claim. If a court awards damages that exceed those limits, your business may be responsible for the remaining balance. This could mean using company assets or future earnings to cover the gap.
Learn More
Buschbach Insurance Agency, Inc. can guide you towards suitable insurance solutions. Contact us today to discuss your commercial umbrella options and get a free custom quote.
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