Commercial umbrella insurance

Protect your business beyond the limits of general liability, commercial auto and employer's liability insurance policies.

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Don't let a lawsuit put you past your limit.

When claims covered by policies like general liability, commercial auto, or employer's liability insurance reach their limits, a commercial umbrella insurance policy may cover additional costs. This also provides your business with extra protection against bodily injury or property damage.

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Extra protection means extra peace of mind

Umbrella liability insurance provides additional asset protection for your business property or secondary income sources. It provides additional financial coverage in the event of a catastrophic loss.

In the event of an extraordinary situation, an umbrella policy helps to protect your business from potentially devastating financial consequences.

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
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The right umbrella policy is just the start

When it comes to selecting umbrella insurance for your business, Automatic Data Processing Insurance Agency, Inc. (ADPIA®) helps you select the carrier partner right for you.

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

Common questions about commercial umbrella insurance policies

How does a commercial umbrella insurance policy work?

An 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.

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