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G&A Insurance G&A Insurance
  • Products
    • Personal Insurance
    • Commercial Insurance
    • Specialty Insurance – Ice Rinks
    • Specialty Insurance – Health & Fitness
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Dec 09

What Is Commercial Umbrella Insurance?

  • December 9, 2017
  • G&A Blog Team

 

Designed to help keep your business protected in the event of catastrophic loss, a commercial umbrella policy serves three purposes:

 

  1. It provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims
  2. It drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims
  3. It provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention (SIR)

“The commercial umbrella insurance policy provides your business with over-arching protection – think of it as an “umbrella” – over your existing liability policies,” Says Jeff Gray, president of G&A Insurance. “Commercial umbrella insurance can be especially helpful if your business is the target of a lawsuit.”

Interested in learning more about a commercial umbrella insurance policy and how it can help protect your business from risk? We’d be happy to answer your questions. Call or email G&A Insurance and one of our team will get back to you as soon as possible.

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About The Author

The G&A Blog is where we share ideas, expertise and advice on personal, commercial and specialty insurance. In the upcoming months, you'll hear from many different voices in the office including our president, Jeff Gray.

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