When a Lawsuit Exceeds Your Primary Coverage
Businesses face risks that can generate claims far exceeding standard policy limits. A single serious lawsuit — a customer severely injured on your property, a major vehicle accident — can result in damages that drain your primary coverage and threaten your business.
Commercial umbrella insurance kicks in when those limits are exhausted, providing an additional layer of liability protection that keeps your business running.
How It Works
Your primary commercial policies (general liability, commercial auto, employer’s liability) each have limits. When a claim exceeds those limits, umbrella insurance covers the overage — up to the umbrella policy’s limit.
Example scenarios:
- A customer slips and falls at your business, sustaining serious injuries. Medical bills, rehabilitation costs, and a lawsuit exceed your general liability limits. Umbrella covers the difference.
- A company vehicle is involved in a serious accident. Total damages and legal costs exceed your commercial auto policy limit. Umbrella pays the rest.
What Commercial Umbrella Covers
- Excess liability above general liability policy limits
- Excess liability above commercial auto policy limits
- Excess liability above employer’s liability limits
- Legal defense costs in many circumstances
Get a Free Quote
Call (206) 402-6793 or fill out the form to explore commercial umbrella options for your business.
Frequently Asked Questions
What is an independent insurance agent?
An independent insurance agent works with multiple insurance carriers, not just one. That means we can shop the market on your behalf and find the coverage that best fits your needs and budget, rather than being limited to a single company’s products.
How much does it cost to get a quote?
Nothing — quotes are always free and there is no obligation. Because SafeInsure is an independent agency, we shop your coverage across multiple top-rated carriers and bring you the options that fit your needs and budget. You can request a free quote online or call us at (206) 402-6793.
Do you speak Vietnamese?
Yes. SafeInsure is a woman-owned agency that serves the Seattle and Washington community in both English and Vietnamese, so you can review your coverage and ask questions in the language you are most comfortable with.