Commercial Umbrella Insurance provided by Browne Insurance Services

You’ve worked hard for the success of your business — and a single unfortunate event could put its assets at risk if the cost of a covered claim exceeds the limits of your business liability insurance.
What is Commercial Umbrella Insurance?

Commercial umbrella insurance gives you extra coverage to help pay for costs that exceed certain liability policy limits. Without this type of commercial insurance coverage, you’d have to pay out of pocket for liability claims that cost more than your coverage limits

This can include:

  • Legal costs
  • Medical bills
  • Damage to other people’s property
  • Judgments and settlements

A commercial umbrella policy extends the limits of some of your primary liability insurance policies, such as general liability insurance and commercial auto insurance.

For example, if your company is found liable for a customer’s injury at your place of business and you are sued for $1.5 million but only have $1 million in liability coverage, a commercial umbrella policy could make up for the $500,000 shortfall, subject to the policy’s coverage limits.  

How can a commercial umbrella insurance policy help my business?
For Small Business
For Freelancers
For Home Business
Commercial umbrella insurance can supplement the liability coverage of:
  • General liability insurance
  • Employer’s liability insurance(often included in workers’ compensation)
  • Hired and non-owned auto insurance

Before you can purchase umbrella liability insurance for any of these policies, an insurer will require you to carry at least $1 million in coverage on the underlying policy.

Umbrella liability insurance cannot be added to professional liability insurance that covers lawsuits over professional mistakes, including undelivered services and missed deadlines.

Importance of Commercial Umbrella Insurance?

Commercial umbrella insurance provides an extra layer of liability protection by covering costs that go beyond your other liability coverage limits. In other words, commercial umbrella insurance complements your other liability coverages by taking over when your other liability coverage limits have been reached. 

Connect with us today to find out the right Commercial Umbrella Insurance that fits your business.

Get Started Today
As an independent agency, Browne Insurance Services
Helps you find the right Commercial Umbrella Insurance Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

Click & Learn

  • Bodily injury
  • Commercial auto
  • Personal / Advertising injury
  • Contractual liability
  • Lawsuits

Bodily injury Coverage

Risk Factors

An elderly customer is injured when she trips on frayed carpeting while visiting your business. Her medical costs are substantial — and exceed the limits of your liability policy.


An umbrella policy can help when the costs of a claim surpass the limit of your underlying liability policy.

Commercial Auto Coverage

Risk Factors

Your employee causes a multi-vehicle accident while driving a company car to a business appointment. The combined medical and repair costs are higher than the limits of your commercial auto policy.


An umbrella policy can help with liabilities that exceed the limits of your underlying commercial auto policy.

Personal / Advertising Injury Coverage

Risk Factors

When a reputation has been damaged, umbrella insurance in place can help to decrease the legal blow. 


It can cover personal injury like Libel & Slander, Malicious prosecution, wrongful eviction and also advertising injury like copyright infringement, or misappropriation of advertising ideas.

Contractual Liability Coverage

Risk Factors

The companies frequently assume a landlord’s tort liability when they rent office space.


This aspect only regards “insured contracts,” such as leases and easements. Commercial umbrella insurance can help you cover legal expenses arising when you accept the tort liability of another responsible party.

Lawsuits Coverage

Risk Factors

Legal and defence fees can skyrocket in a heartbeat and you may need to pay them from your own pockets.


Umbrella insurance can help to cover these particular expenses when you find yourself in the middle of a lawsuit. 

Skip to content