Strengthen Your Business with Commercial Umbrella Insurance
A serious accident or lawsuit can catch any business off guard. A claim beyond your regular policy limits can create a financial strain that standard coverage may not fully handle. Commercial umbrella insurance adds an extra layer of protection when you need it most.
At Merrill Insurance, we help you plan ahead for the unexpected. We take time to understand your risk, explain your options clearly, and recommend coverage that supports your long-term stability. Whether you’re in construction, hospitality, healthcare, or transportation, we help you protect what you’ve worked hard to build.
What Does Commercial Umbrella Insurance Cover?
Umbrella insurance extends liability coverage beyond your existing policies, offering added protection when primary limits are exceeded. Coverage may include:
Lawsuits and Legal Fees
Helps with excess legal costs, settlements, and damages beyond general liability limits.
Third-Party Injuries and Property Damage
Provides extended liability protection when claims exceed standard policy limits.
Employee-Related Liability
Supplements coverage beyond workers’ compensation and employer liability policies.
Commercial Auto Liability
Adds an extra layer of financial protection for severe accidents involving company vehicles.
Who Can Benefit from Commercial Umbrella Insurance?
If your business owns property, interacts with customers, or operates vehicles, umbrella insurance may help reduce your exposure to large claims. It’s especially helpful for industries that face high liability risks:
Construction and Contracting Firms
Additional protection for high-risk job sites and liability exposures.
Retail and Hospitality Businesses
Helps with liability claims for customer injuries or property damage.
Medical and Professional Services
Provides extra coverage for legal disputes and professional liability risks.
Transportation and Fleet Operators
Enhances commercial auto liability protection for fleet operations.
Standard insurance coverage might not be enough for businesses facing high-dollar injury claims, severe liability lawsuits, or major accidents. Umbrella insurance offers an added layer of security, helping businesses manage unexpected claims.
Why Commercial Umbrella Insurance Matters
- Helps protect against significant financial loss from major claims and lawsuits
- Can assist in meeting contract and client requirements for higher coverage
- Supports long-term business security by extending existing policy limits
You’ve put years into building your business, and we believe it deserves coverage that reflects its value. At Merrill Insurance, we’re guided by our faith and grounded in the kind of values that never go out of style—honesty, service, and treating people like neighbors.
We’ll help you find real protection, not just more paperwork. With clear guidance and a team that’s here when it counts, we’ll walk beside you every step of the way.
