Business Umbrella Insurance

We Can Help You Get Extra Liability Coverage for Your Business

Commercial umbrella insurance may be referred to as a “business umbrella” or “excess liability policy.” These different names all mean the same thing. 

What Is Business Umbrella Insurance?

Similar to personal umbrella insurance, a business umbrella policy is liability coverage that goes beyond other commercial insurance policies—helping you guard your assets. It may also be primary insurance for losses that aren’t covered by the other policies.

Why Is it Important?

Nowadays, a general liability policy may not be enough to keep your business from enduring significant losses that may cause financial harm. 

Without proper umbrella coverage, you may have to pay out of pocket for medical expenses, legal defense costs, or other damages that your current policy excludes. An umbrella policy can often be the difference between your business surviving or not. 

Who Needs Umbrella Insurance?

In particular, businesses with a high profile, sizable sales, numerous assets, large auto fleets, a global presence, and/or significant public exposure may need higher liability limits, and therefore, a business umbrella policy. 

How Does it Work?

When you purchase an umbrella policy, it’s added to the limits you bought in your general liability, commercial auto, or workers comp policies. It picks up where your other liability coverage ends—providing extra protection against bodily injury and/or property damage.

Let’s say your business is insured and you’re liable to someone. In that case, the policyholder’s primary insurance policies pay their limits and any extra amount is paid by the umbrella policy—up to the coverage limit.


Business owners should consider the following points:

  • Lawsuits and judgements are getting more expensive (and common)
  • Appeals are long
  • Catastrophic liability losses can happen to any business at any time

You’ve put a lot of time and effort into making your business what it is. It’d be a real shame to see it all go after just one unforeseen event.

Umbrella Coverage Options

So, how much umbrella coverage does your business need? This will depend on several factors, like:

  • The business you own
  • Your existing coverage 
  • Your assets 
  • Any risks that aren’t covered in full

If you’re interested in commercial umbrella insurance for your business, contact our agency today.

Why Choose Sherrye LaCour Insurance?

If you’re a business owner, you can compare umbrella insurance quotes using our website. We’re an independent agency that’s proud to serve hard-working people like you. We’re not biased towards any company or policy. When you choose Sherrye LaCour Insurance, you get multiple quotes at once from the best insurance companies in your area!

Another reason to choose us is because we can save you money! Who doesn’t want that? We’re able to bundle your home and auto policies, as well as others. Plus, we shop your personal and commercial policies each year to make sure you’re paying the lowest rate available for the upcoming year. 

Last but not least, we’re accessible! You’ll have our office phone and email addresses. We answer our phones and respond to emails quickly. 

Get an Instant Quote!

Request a FREE Quote Today

Whether you want protection for your commercial vehicles, property, employees, or all the above, we’re here for you. We can review your current policies, determine what coverage you need, and compare rates from the best companies in the area. Leave the insurance to us. You focus on business growth and prosperity. Call (601) 286-8230 or fill out your info for a quick quote.