Commercial Umbrella Insurance

Commercial Umbrella Insurance

Extended Protection for Your Business

An umbrella isn’t just that thing we use to keep us dry in a rainstorm. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving or closing.

The rising costs of lawsuits and judgments are important for today’s business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage.

It’s an unfortunate fact – a claim against your business that appears to be small and easily resolved can turn into a lengthy hassle that ends in a large loss.

These types of claims can often take an extended period of time to litigate and settle. What if the resulting settlement is higher than your business policy’s liability limits? How would that impact your business? How do you know if you have enough coverage?

The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event.

While we can’t predict the future, we  have seen enough out-of-control claims to know that a commercial umbrella policy can be a life saver for your business.

Although [Sunshine] knew about the huge problem regarding our Business Owners Insurance, she stepped right in and sorted things out. Not only did she correct the problem with the current policy period but she also rectified a problem on the prior year’s audit. And in addition was able to stop the cancellation process that was already in motion and to become effective at 12:01am that evening.

She has been a terrific help and never once was even the slightest bit annoyed about any of it. Because of her, I will recommend anyone I know looking for Business Insurance to contact NHC Insurance. You have a real find, and should be proud of her.

Abbie H.

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Get to Know: Coverage Terms

Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other policies. In some cases, it even broadens your protection. Due to the unpredictable nature of jury awards, NHC Insurance Services recommends that your business insurance program include this coverage to protect the Business you have taken your time, effort and money to see your dreams fulfilled!

What is Excess Liability Coverage?

This coverage provides extra liability limits over an Umbrella policy. This coverage typically follows the terms of the first underlying insurance policy.

Who needs Excess Liability Coverage?

Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, significant public exposure.

Talk to NHC Insurance Services today about your business operations and we can advise you what kind of liability coverage you need to protect yourself and your company. Just give us a call at 310-221-0917 and we’ll help make sure you’re covered.

I have been working with the team at NHC Insurance for many years.  Honestly, it’s been so long, I can’t remember.  It is easy to work with a company who goes out of their way to help and guide you.  

Leana has helped me with many business insurance needs.  Most importantly, I know she is working on finding us the best rates before policy renewals kick in. Both the commercial and personal insurance departments have excellent staff.  

I stopped shopping for insurance companies. The price is always competitive, and the best service around!

Nancy C.

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  • 310-221-0917

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