Commercial Umbrella Insurance

In today’s litigious business environment, a single catastrophic accident or a major legal judgment can quickly exceed the limits of your primary insurance policies. While your General Liability, Commercial Auto, and Workers’ Compensation plans provide a solid foundation, they have “ceilings” that may not be high enough to protect your company’s total assets. Our Commercial Umbrella Insurance is designed to act as an extra layer of financial security, picking up exactly where your underlying policies leave off. It provides the high-limit protection necessary to shield your business from the devastating impact of “nuclear verdicts” and massive liability claims.

We understand that you’ve worked hard to build your company’s reputation and financial stability. An umbrella policy ensures that a multimillion-dollar lawsuit doesn’t force you into liquidation or compromise your future growth. This coverage is especially critical for businesses with high-risk exposure, such as those with large vehicle fleets, significant public interaction, or hazardous work environments. By extending your reach by millions of dollars, InsureMoreNow gives you the professional muscle to defend against complex litigation and settle major claims without touching your operating capital or personal reserves.

• Excess Liability Limits starting at $1 million and extending to $10 million or more

• Legal Defense Costs provided in addition to your policy limits for major lawsuits

• Broad Protection that fills gaps in underlying liability policy language

• Commercial Auto Excess for accidents involving your business fleet or heavy trucks

• Employer’s Liability Excess to bolster your Workers’ Compensation limits

• Worldwide Coverage for incidents that occur outside of your primary territory

• Aggregated Limits that provide a massive pool of protection across all locations

• Crisis Management support to protect your brand reputation during major incidents

Choosing the right amount of umbrella coverage requires a strategic assessment of your business’s risk profile and total asset value. Our expert advisors work with you to analyze your primary policy limits and identify potential “exposure gaps” that could leave you vulnerable. Because an umbrella policy is a secondary layer of protection, the premiums are exceptionally cost-effective compared to the massive amount of security they provide. Protect your contracts, your employees, and your hard-earned success today with a plan that ensures no single incident can ever de-rail your professional journey.

At InsureMoreNow, we believe that business leaders should be able to focus on innovation and expansion, not on the fear of unpredictable legal risks. Our claims team is highly specialized in high-stakes litigation, providing the technical expertise and financial support needed to resolve complex cases fairly. We pride ourselves on being the bedrock of our clients’ financial safety, offering transparent guidance and rapid certificate processing. Secure your business legacy today with a commercial umbrella insurance plan that offers the perfect balance of elite protection, legal strength, and exceptional value.