Commercial umbrella insurance provides extra protection when your primary policies reach their limit.

What Does Commercial Umbrella Insurance Cover?

Umbrella policies kick in when your primary liability limits are exhausted. It can apply to:

• General Liability Insurance
• Commercial Auto Liability
• Employer’s Liability (part of Workers’ Comp)
• Hired and Non-Owned Auto Liability
• Other underlying policies, depending on your business

This coverage helps with:

• Legal defense costs
• Medical bills
• Property damage
• Settlements or judgments from lawsuits

Why Your Business Might Need It:

• You work in a high-risk industry (contracting, transportation, manufacturing)
• You serve the public or clients on-site
• You use vehicles or heavy equipment
• You want to protect business assets from large liability claims
• A contract or client requires higher liability limits

Example:

If your general liability policy has a $1 million limit, and you’re sued for $1.5 million, your umbrella policy could cover the remaining $500,000-protecting your assets and preventing out-of-pocket loss.

Affordable Peace of Mind

For most businesses, Commercial Umbrella Insurance is a small investment with potentially massive protection. It’s a smart way to strengthen your financial security without increasing the cost of every policy.

Let’s Talk About Coverage Gaps

At Geebu Insurance Agency, we’ll review your current coverage and show you where an umbrella policy can help fill the gaps. We’ll help you choose the right limits based on your risk and industry.