Commercial Umbrella Insurance

Protecting Connecticut Businesses When it Matters Most

Your business works hard to serve customers, manage operations, and grow—but all it takes is one major lawsuit or unexpected accident to put everything at risk. While general liability, commercial auto, and workers’ compensation policies offer essential protection, they all have coverage limits. If a claim exceeds those limits, your business could be left paying out of pocket.


Commercial umbrella insurance provides an additional layer of financial security, ensuring that a costly claim doesn’t threaten everything you’ve built.

Think of commercial umbrella insurance as extra protection that steps in when your existing liability limits run out. It helps safeguard your business from large claims that exceed your primary policy coverage.

Go Beyond Standard Coverage

What Do We Cover?

General Liability Extension

Provides additional protection beyond your general liability policy if a customer or third party files a lawsuit.



Commercial Auto Liability Extension

Covers costs if your business vehicles are involved in a major accident that surpasses your auto policy limits.

Employer’s Liability Coverage

Offers extra financial protection for lawsuits related to workplace injuries not covered by workers’ compensation.

Legal Defense Costs

Helps cover attorney fees, court costs, and settlements when faced with high-value lawsuits.

A pair of hands holding a shield with a check mark on it.

Who Needs Commercial Umbrella Insurance?

  • Businesses with customer foot traffic or physical locations
  • Companies that operate commercial vehicles or fleets
  • Contractors and businesses working on client properties
  • Professionals offering high-risk services with potential liability exposure

Frequently Asked Questions

  • How does commercial umbrella insurance work?

    If a claim exceeds the coverage limits of your existing liability policy, your umbrella policy kicks in to cover the remaining costs, up to your policy’s limit.

  • How much commercial umbrella coverage do I need?

    It depends on your industry, business size, and risk exposure. We can help you assess your current liability limits and determine the right amount of coverage.

  • Does commercial umbrella insurance replace my existing liability policies?

    No, it works as additional coverage that extends beyond your general liability, commercial auto, and employer’s liability policies.

  • How much does commercial umbrella insurance cost?

    It’s more affordable than you might think. The cost depends on your business operations, industry risks, and coverage limits, but it’s a cost-effective way to protect your business from major financial loss.

Strengthen Your Business Protection Today

Find the Right Commercial Umbrella Insurance Coverage. Don’t leave your business vulnerable to high-cost claims. Let’s find the commercial umbrella insurance that fits your needs so you can focus on running your business with confidence.


Visit Us in Columbia, CT

Your business needs deserve the best protection—let’s make sure you have it.