Commercial Umbrella Insurance 

Increased Coverage When You Need It Most
 

As a responsible business owner, you follow best practices with customers, employees, and daily operations. Part of that responsibility includes having the right insurance coverage in place for potential future claims.

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For example, if a client slips and falls on your property and files a lawsuit, your general liability or commercial property policy may provide protection. But in some cases, those policies may not be enough. That’s where commercial umbrella insurance comes in, offering an extra layer of protection when your primary coverage limits are exceeded.
 

Getting the additional coverage your business needs isn’t complicated.
 

At Eternity Insurance, we help businesses across a wide range of industries protect what matters most. Our experienced brokers will review your current policies, identify any gaps, and tailor a plan that supports your long-term goals and risk tolerance.

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Benefits of Commercial Umbrella Insurance for Businesses
 

When facing a large lawsuit or unexpected judgment, your standard insurance policies may not be enough. A commercial umbrella policy gives you the extra protection and peace of mind you need to safeguard your business. Here’s how umbrella insurance can benefit you:

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• A Second Line of Defense
  If a major claim exhausts your general liability policy, umbrella coverage steps in to cover the remaining costs—helping you avoid paying out of pocket.
   

• Higher Coverage Limits
  Umbrella insurance extends the limits of your existing general liability, commercial auto, and employer liability policies—offering broader financial protection.
   

• Coverage for Gaps
  When your primary policies reach their limits or don’t cover certain situations, umbrella insurance helps fill in the gaps for added security.
   

• Ideal for Businesses of All Sizes
  
  You don’t have to be a large corporation to benefit. Small and mid-sized businesses can also gain vital protection from unexpected legal or financial challenges that exceed standard policy limits.
  
  Who Needs Commercial Umbrella Insurance?
  
  Every business large or small can benefit from a strong, reliable commercial umbrella insurance policy. Before a single incident drains the limits of your existing coverage, consider the real-world risks that could leave your business exposed:
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• A customer slips and falls on a misplaced rug at your facility, resulting in a serious injury like a broken hip that requires multiple surgeries.

• An employee causes an accident while driving the company van to a job site, leading to significant property damage and injuries to others.

• A visiting client or vendor is accidentally injured on your premises due to employee negligence.

• Your advertising campaign backfires, sparking claims of defamation or slander and triggering a costly legal battle that maxes out your liability coverage.
  
  ​These scenarios aren’t uncommon and without umbrella insurance, your business could be left footing the bill.