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Umbrella Liability

Even if you carry general liability insurance for your business, you might face a repair, settlement, or judgment in excess of your coverage limit. 

Umbrella Liability Overview

An umbrella policy can be the most affordable way to get higher policy limits on several other small business insurance policies. A single unfortunate event could put your business assets at risk if the cost of a covered claim exceeds the limits of your business liability insurance. Umbrella insurance kicks in once other insurance coverage is exhausted.

The number of customers, suppliers, partners, and other business associates that business owners come into contact with every day means that you simply face more opportunities for lawsuits than the average person. People are more prone to sue a company now than ever before, particularly when it’s perceived to have deep pockets. An umbrella policy offers an extra safety net, at an economical rate, in case one of those people brings a costly lawsuit.  


What types of out of pocket expenses could I be responsible for?

Without umbrella insurance, business owners could be obligated to pay out of pocket for legal fees, medical bills, and damage expenses that exceed the limits of their underlying primary business coverages.

How can umbrella liability help with these expenses?

If you have $1 million in general liability coverage and a covered claim is settled for $1.5 million, your umbrella liability policy would pick up the $500,000 not covered by your general liability policy. Without an umbrella policy, you would have to pay that uncovered expense out-of-pocket, which many business owners simply cannot afford.