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Liability Insurance and Umbrella Insurance

Liability insurance covers Bodily Injury and Property Damage caused by a business entity. Umbrella insurance can provide an extra layer of protection for higher dollar value claims above and beyond your general liability limits.

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Why would I need liability and umbrella policies?

As a business in the community you or your employees run the risk of causing bodily and property damage at any time — protecting your business with the right policy is essential.



  • If you run a car dealership and a customer slips and falls in the showroom, liability insurance can help protect your business.
  • If your general liability policy has a limit of $1 million, umbrella policies would provide an additional coverage in $1 million increments above and beyond general liability

Helpful terms and information


Specific risks or scenarios not covered by the policy.

Underlying policies

The primary lines of insurance that the umbrella policy is supplementing.

Want to talk about your options for liability and umbrella insurance?

You can request a quote now or give us a call to discuss your options at 1-800-794-2941