Umbrella Liability

With umbrella liability insurance coverage, the insurance company is obligated to pay the legal costs of a consultant in a covered liability claim or lawsuit. This policy acts as a additional layer of coverage above the General Liability and or Professional Liability policy.

So if a claim is paid under the General Liability policy for $500,000 yet the total damages are $750,000, the Umbrella policy would pay the extra $250,000. An Umbrella policy provides added peace of mind that comes from knowing extra protection is in place. Umbrella policies are ideal for businesses that have significant assets that could be risk in the event of a large legal settlement.

Covered liability claims include bodily injury, property damage, personal injury, and advertising injury (damage from slander or false advertising).

The insurance company also covers compensatory and general damages. Punitive damages aren’t covered under general liability insurance policies because they’re considered to be punishment for intentional acts. Therefore punitive damages would not be covered under an Umbrella policy either.

from these companies

Starting prices for the coverage you need.

General Liability

Protection if injuries occur on your premises. Required if leasing office space.

$32

per month

Professional Liability

Protect your business from accusations of professional negligence.

$38

per month

Business Owners Policy

General Liability and Property insurance in a cost-effective bundle.

$48

per month

Questions? Our licensed agents are here to help today and throughout your policy period.


1-415-322-1054

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