Commercial Umbrella Insurance

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 Fern Rock 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.

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.