Commercial Umbrella Insurance
Commercial Umbrella Insurance – What is it?
“Umbrella” coverage is purchased to expand the protection of a general liability policy. Commercial Umbrella Insurance comes into play when you need to fill in a gap that you may be exposed to and that may be a vital aspect of your daily operations and security. Although in many cases General Liability Insurance covers a wide variety of things that may happen, there are many times that the courts or other insurance companies will not allow you to use it towards specific claims.
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What may be covered with Commercial Umbrella Insurance?
- Privacy that may have been invaded
- Slander and libel
- Losses that may have not been covered by other liability policies
- Other lawsuit problems
Who should receive Commercial Umbrella Insurance?
No matter the size, or amount of sales a business may have; Umbrella insurance is always a safe policy to purchase. It is for the individuals and business owners that understand that everything doesn’t always go the way it is planned and having extra insurance in place is a safe bet and smart one.
Contact a Miller Carlisle Insurance Services Representative today to receive a quote and see how Umbrella insurance can benefit you. Although it may seem like an expense, this added expense can save you large sums of money in the event a claim or court systems decides your general liability insurance is not enough to cover an accident. Trust us when we say that most business owners regret over looking this policy and wish they could have been proactive by purchasing Umbrella coverage.
BUSINESS INSURANCE POLICY EXPERTISE
Builders Risk Insurance
A policy designed to cover buildings under construction.
Business Owners Package Insurance
BOP insurance for the needs of most small businesses, covering: property, liability and vehicles.
Business Interruption Insurance
Critical for a property loss that would potentially close your business.
Commercial Auto Insurance
Covers vehicle’s used for your business.
Commercial Trucking Insurance
Covers hauling goods.
Commercial Umbrella Insurance
When the limits of your general business insurance policy does not provide adequate protection.
Contractor’s General Liability Insurance
For residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, owners or public and private construction projects.
Employment Practices Liability Insurance
PLI insurance helps protect you against claims from your employees that result from the general conduct of your business.
General Liability Insurance
Covers owners from claims from a variety of issues.
Hotel / Motel Insurance
Designed to fulfill a wide range of insurance needs for hotels and motels.
Liquor Liability Insurance
A Business Insurance Plan should include a Liquor Liability Policy if you supply, manufacture, or serve alcohol to your customers.
Medical Malpractice Insurance
Medical malpractice insurance covers doctors and other professionals in the medical field for liability claims arising from their treatment of patients.
Product Liability Insurance
Product liability insurance is business insurance that is designed to cover liability of the business for damages caused by a product.
Restaurant & Bar Insurance
The Food and Beverage industry poses a unique set of challenges and risks to owners and operators of Restaurants and Bars.
Special Event Insurance
Insure your special event from unforeseen dangers.
Surety Bonds
A surety bond ensures contract completion in the event of contractor default.
Technology Insurance
Insurance packages tailored to the technology industry.
Wholesalers and Distributors Insurance
Wholesalers and distributors have unique insurance needs.
Workers’ Compensation Insurance
Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured.
