Your business could need additional coverage beyond what you already have. Also known as umbrella liability, this insurance coverage helps provide an additional layer of protection to your existing policies such as commercial general liability and business automobile insurance.

As an example, let’s say your commercial general liability policy offers $1 million in coverage. You have a covered claim that is settled for $1.5 million. In this case, your commercial excess liability insurance policy would cover the difference. But without the additional coverage, your business would have to find a way to cover the difference on your own.

Obtaining commercial excess liability coverage is often the most economical method to increase your policy limits on your other business insurance policies. Unsure if you need additional coverage? Contact one of the experienced insurance professionals at Smart Insurance. We’ll help answer your questions and get you additional information to make the best decision for your business.

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