Whether you own a home or a business you are at risk of losing some kind of valuable assets.
When you or your business is targeted in a lawsuit, there have been cases where the limit of liability isn’t enough to protect you; what do you do now? The Commercial / Personal Umbrella policy overlaps your current liability limits and takes the additional risk.
This policy even provides additional liability coverage for your auto and boat insurance as well. For businesses, the commercial umbrella policy provides additional liability coverage for your commercial auto and workers compensation policies.
Your umbrella policy can even take effect in protecting you for any excess loss on your professional liability policy (AKA errors and omissions).