Commercial Umbrella Insurance in Beaver, Pennsylvania
Extra Protection for Extraordinary Risks
Lawsuits and liability claims can quickly exceed the limits of your existing insurance policies—leaving your business financially exposed. Commercial umbrella insurance provides a critical safety net, extending liability coverage when your primary policies have reached their limits.
At FernRock Insurance Agency, we help you build the right buffer against the unexpected—so one major claim doesn’t threaten everything you’ve built.
Why Your Business Might Need Umbrella Insurance
If your business:
- Deals with the public
- Owns vehicles or equipment
- Operates in high-liability industries
- Has employees working on client sites
- Holds significant assets to protect
then umbrella insurance isn’t a luxury—it’s a necessity. Without it, your organization may be responsible for covering costs that exceed the limits of your general liability, commercial auto, or employer’s liability coverage.
Umbrella policies help absorb those overages, providing vital financial protection and peace of mind.
How Much Does a Commercial Umbrella Policy Cost?
The cost of a commercial umbrella policy depends on factors like your industry, business size and existing liability coverage. Premiums can vary based on your company’s risk and the limits you choose. Working with an agent can help you get a quote tailored to your operations.
What Is the Limit on Commercial Umbrella Insurance?
Commercial umbrella insurance typically offers limits starting at $1 million and can extend much higher. Businesses may choose higher limits based on contract requirements or perceived exposure. The limit represents the maximum amount the policy may pay after underlying coverage is exhausted.
What Does Commercial Umbrella Insurance Cover?
Umbrella coverage kicks in when the limits of your underlying policies have been exhausted. It can provide additional coverage for:
- General Liability – Protection when a lawsuit exceeds the limits of your base policy.
- Commercial Auto Liability – Coverage for large claims involving company-owned vehicles.
- Employer’s Liability (Part of Workers’ Comp) – Added protection if your standard employer’s liability limits fall short.
- Specialized Liability Exposures – In certain cases, umbrella insurance may extend over other lines such as Sexual Abuse and Molestation (SAM), Law Enforcement Legal Liability (LEL), and other high-exposure coverage areas—depending on the carrier and policy structure.
Note: Umbrella policies don’t stand alone—they build on your existing coverage. Our team helps ensure all your policies are coordinated to maximize protection.