Every business faces risks, whether it’s a customer getting injured on your property or a lawsuit over professional advice. Standard liability insurance can help cover many of these situations, but what if a claim goes beyond your coverage limits? Commercial umbrella insurance can help provide extra financial protection when a claim exceeds the limits of your underlying coverage.

At AAAA Insurance in Houston, Texas, we deliver outstanding service to every customer.

What Is Commercial Umbrella Insurance?

Commercial umbrella insurance can provide additional liability coverage beyond the limits of your existing policies. For example, if a customer sues after an injury in your store and the settlement exceeds your general liability coverage, your umbrella policy can step in to cover the remaining costs. This extra layer of protection may help safeguard your business from significant financial loss.

What Does Commercial Umbrella Insurance Cover?

To activate your umbrella coverage, you must first file a claim under your primary liability policy. Your umbrella insurance may cover the excess once that policy pays up to its limit. This can include costs related to the following:

• Commercial auto insurance
• General liability insurance
• Professional liability insurance
• Employment practices liability insurance (EPLI)

Why Do I Need Commercial Umbrella Insurance?

Lawsuits can quickly escalate. Without umbrella insurance, your business might have to cover amounts that exceed your liability limits out of pocket.

How Much Does Commercial Insurance Cost?

The cost of a commercial umbrella policy depends on several factors, including your industry and existing coverage. Fortunately, most policies are affordable and easily integrated into your insurance plan. At AAAA Insurance, we can help you find appropriate coverage at the right price. Contact us today or request your free quote today to get started.