Business Insurance

Commercial Umbrellas

An umbrella serves two purposes. First, it provides excess liability limit over the scheduled underlying policies. Second, it fills some gaps in the underlying coverage. There is no standard umbrella policy. Therefore, coverage comparison is a must. Key areas of comparison are exclusions, deductible, whether a follow-form is offered over unusual underlying exposures, limits, and defense cost (in or out of the limits).

We Also Offer:

• Commercial Auto Coverage
• Property Insurance
• General Liability Coverage
• Workers' Compensation Coverage
• Inland and Ocean Marine
• Small Business Owners Packages
• Small Truck Fleet Coverage
• Pollution Liability Coverage
• Professional Liability Coverage
• Director's and Officer's Liability Coverage
• Employment Practices Liability Coverage

Questions and Answers:

• What is General Liability?
• Why do I need certificates of insurance from sub-contractors?
• How does an audit work?
• Does my policy cover physical damage to a vehicle I rent?
• Do I need additional insurance coverage if I drive a private vehicle for business?