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Commercial Umbrella

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Extra Protection that Keeps You in Business.

Product Overview

As a business owner, keeping your business insured is one of the most important financial decisions you can make. But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances, or even your operations.

With Commercial Umbrella Insurance from Prince Insurance Group, you can protect your business and your assets in the event that your company gets sued in a major lawsuit.

A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory.


Download Commercial Umbrella Insurance resources. 

What Does Commercial Umbrella Insurance Cover?

Major lawsuits are a result of accidents that occur either on or off the premises of your business. The following are examples of situations where Commercial Umbrella coverage can safeguard your business:

  • Accidental falls or slips on your property
  • A carbon monoxide leak in your building
  • Libel, slander, or invasion of privacy
  • If one of your products causes injury or illness
  • If a fire in your building damages other property
  • Violations of Employment Practices Liability
  • If your business vehicle is involved in an accident

How Much Umbrella Coverage is Enough?

Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options. That’s why at Prince Insurance Group, our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. Commercial Umbrella Insurance is simply an affordable coverage that can help you avoid major losses.

Protect your business personally and financially with a Commercial Umbrella policy from Prince Insurance Group.


Prince Insurance Group helps find the right insurance for you and your needs.


Our team works with you to find the most affordable options for your situation.

Flexible Options

Our products are flexible and we work to find insurance specific to your needs

Unbeatable Service

We are just a phone call away throughout our entire relationship.

Common questions about Commercial Umbrella Insurance

Get quick answers to some of the most asked questions about commercial umbrella insurance. If you have additional questions, please contact us.  

Commercial umbrella policies: what do they cover?

Commercial umbrella policies offer additional coverage for specific liability insurance types. They work to extend your main policies. This is important, as if you do not have any kind of policy to begin with, then a commercial umbrella policy won’t be able to extend it.

Some insurance companies will write an umbrella policy that comes with certain aggregate limits. Such limits can vary between $1 million and $2 million. In such cases, your insurance provider will cover claims, but only as much as that. You’ll need to determine if your umbrella insurance will not cover all liability claims. You’ll also have to find out if it will extend certain liability coverage types.

For example, if your existing accountant is sued for an audit mistake, then professional liability insurance will cover defense expenses. However, if those legal expenses are greater than the policy’s limits, then the commercial umbrella insurance will not pay for the difference.

What does it cost?

The amount of money you’ll need to pay for commercial umbrella coverage will be contingent on the following:

  • The size of your business.
  • The kind of business your company conducts.
  • The underlying coverage amount.

Several industries are vulnerable to more risk than others are, which could potentially raise your commercial umbrella policy’s cost. For example, if you run a construction company, then the umbrella coverage for it might be much higher in comparison to a retail store.

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