Get extra protection with a commercial umbrella policy.

Sometimes when it rains, it pours. That’s why businesses of all sizes can benefit from having the extra layer of protection provided by a commercial umbrella policy. Much like an actual umbrella, commercial umbrella insurance can help you weather the unexpected. It keeps you covered if you ever need more coverage than your standard liability insurance can offer. But most importantly, it helps you move forward with business as usual.

Business umbrella coverage could protect you if:

• A customer trips and falls in your store. The customer suffers serious injuries and has medical bills that exceed your standard insurance liability limits.
• You own a landscaping company, and one of your crew members causes an auto accident while driving your company’s insured auto. If the other driver is seriously injured and no longer able to work, your business could be sued and found liable in excess of $1.5 million. If your commercial auto insurance limit is $1 million, your commercial umbrella policy could help cover the balance.
• Your contracting business is found liable after an electrician comes in contact with a live wire. After the shock, the electrician is hospitalized, and you’re found liable. You owe the electrician $750,000, but your standard insurance only covers $500,000. Your umbrella policy could help cover the extra costs.

At Patriot Insurance Company, our business umbrella policy provides this extra protection with limits ranging from $1 million to $10 million, which will likely complete your package of insurance protection. However, should you need to supplement it with a surety bond, you can. Learn more about Frankenmuth Surety.

The examples contained on this website are merely intended to be illustrations of the type of coverage that may be available to your company. The limits and scope of coverage vary from policy to policy. Therefore, many of the examples contained on this site may not be applicable to your specific policy. If you have any questions regarding your coverage, please consult your independent agent.