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Business Owners Policy (BOP) |  Commercial Auto Insurance | Umbrella Policy

ADPIA Umbrella Policy

Umbrella Policy

If you find yourself in a situation where your general liability, commercial auto or employer’s liability insurance policies reach their limits of coverage, an umbrella policy can pick up where these policies leave off.

Umbrella Insurance: Don’t Let a Lawsuit Leave You Drenched in Debt

Umbrella insurance helps you stay protected with an increased financial safety net and extra coverage against bodily injury and/or property damage. Umbrella insurance provides additional asset protection for your personal property or secondary income sources. To protect yourself against the possibility of devastating financial loss from unforeseen events, you may want to purchase an umbrella policy. It could make the difference between solvency and bankruptcy for only a few hundred dollars a year.

As a small business owner, umbrella insurance can give you financial security when you need it most.

Commercial Umbrella Insurance: Protection from all the elements

By providing extra liability insurance, an Umbrella policy covers your business against major claims and lawsuits, and as a result, helps to protect your assets. Commercial umbrella insurance may provide:

  • Asset protection
  • Additional lawsuit coverage
  • Added coverage for defense costs 
  • Extra equipment, real estate, and other valuable business replacement or repair coverage
  • Liability coverage for some lawsuits not covered by your commercial auto or business insurance

The right umbrella policy is just the start

When it comes to selecting umbrella insurance for your business, ADPIA helps you select a carrier partner that goes beyond the basic policy.

Because we work with businesses of all sizes across a diverse set of industries, we understand the importance of finding just the right fit — and delivering the highest level of service and support.

How does an umbrella liability policy work?

The umbrella policy provides excess liability limits in the event of a catastrophic loss. Once the underlying limits of the business auto, general liability or employer’s liability policies are exhausted, the umbrella liability policy kicks in to provide additional financial coverage.

The information contained in this website represents the products and services available through one of the business groups of Automatic Data Processing Insurance Agency, Inc. (ADPIA). ADPIA services mid and large size clients with various insurance products and services through its other business groups.

All insurance products will be offered and sold only through Automatic Data Processing Insurance Agency, Inc., its licensed agents or its licensed insurance partners, 1 ADP Blvd., Roseland, NJ 07068. CA license # 0D04044. Licensed in 50 states. Automatic Data Processing Insurance Agency, Inc. is an affiliate of ADP, LLC. Certain services may not be available in all states. Certain services are provided through the carrier partners and an additional carrier fee may apply. ADP and the ADP Logo are registered trademarks of ADP, LLC. Copyright © 2017 ADP, LLC.