Commercial Umbrella Insurance — Extra Protection for Big Risks

One lawsuit can wipe out years of business growth. That’s why many business owners rely on Commercial Umbrella Insurance — an extra layer of liability protection that sits on top of your existing policies.

If your business works with the public, performs high-risk services, or carries expensive assets, umbrella coverage is essential.

What Is Commercial Umbrella Insurance?

Umbrella insurance increases the liability limits of your:

• General Liability

• Commercial Auto

• Workers’ Compensation (employer liability portion)

• Other eligible liability policies

This gives you extended protection when large claims exceed the limits of your underlying policies.

Why Businesses Need an Umbrella Policy

1. Lawsuits Keep Getting More Expensive

Medical claims, legal fees, and settlements continue to rise. Umbrella coverage bridges the gap.

2. Your Contracts May Require It

Many government contracts, commercial clients, and large vendors require $2M–$5M in excess liability.

3. Protects Business Assets

If a claim exceeds your policy limits, your business assets — and sometimes personal assets — can be at risk.

4. Low Cost for High Protection

Umbrella policies are surprisingly affordable considering the amount of coverage they provide.

Who Should Consider an Umbrella Policy?

Umbrella is highly recommended for:

• Contractors

• Trucking companies

• Restaurants & bars

• Manufacturers

• Property managers

• Retail stores

• Medical & professional offices

• Any business with a high volume of customers or employees

If you interact with the public or operate vehicles, umbrella coverage is a wise investment.

Get Umbrella Coverage for Peace of Mind

At Crosswinds, we help you choose the right limit and ensure all your underlying policies meet carrier requirements.

📞 704-248-2657

🌐 crosswindsinsurance.com