Commercial Umbrella & Excess Insurance

Every business owner is vulnerable to large lawsuits.  No matter what size you are, what business you’re in or where you’re located- accidents still happen and settlements are growing larger every year.  Limits that once seemed adequate may no longer provide the protection you need today.

You’ve worked hard to get where you are, and you have a lot to look out for. A catastrophic or sizable loss could impact your business success you’ve worked so hard to achieve.  You have chosen to purchase a General Liability plan to protect it.  A “Umbrella or “Excess” Policy helps protect your assets by providing additional liability insurance coverage after the limits of your other insurance policies are exhausted. 

Can you afford a large claim made against your business? 

A Commercial “Umbrella” or ‘Excess” Policy gives you extra coverage to help pay for costs that exceed certain liability policy limits.  It can help cover the cost associated with legal fees, damages and medical expenses.  Without this you’d have to pay out of pocket for liability claims that cost more than your coverage limit.  If a catastrophic liability loss occurs, having an additional layer of protection can mean the difference between a business surviving or not.   

A Commercial Umbrella or Excess policy protects your business from claims arising from: 

• Customer Injury
• Property Damage
• Personal and Advertising Injury
• Vehicular accidents
• Product Liability 

At AD Larsen Insurance Services we know that you want to protect your business. Our agency will find you that extra layer of protection needed to protect your biggest investment.