Commercial Umbrella Insurance That Extends Your Protection
Extra Protection for High-Exposure Claims
When standard policy limits aren’t enough to protect your business from a lawsuit or high-cost claim, commercial umbrella insurance helps bridge the gap. Whether you're operating in Colorado, Wyoming, or both, this extra layer of coverage gives you peace of mind that your business won't be financially overwhelmed by legal judgments, settlements, or catastrophic losses. We tailor umbrella policies to sit on top of your existing general liability, commercial auto, and employer policies—so you’re protected when it matters most.
What Commercial Umbrella Insurance Covers
Umbrella insurance adds extra financial protection when your standard business policies reach their limit, covering large and unexpected claims.
Extends Liability Limits Across Policies
If a claim exceeds your existing policy limits, umbrella insurance kicks in to help cover the difference.
Protects You Against Major Financial Risk
Without umbrella insurance, a large claim could exhaust your primary policy and put your assets at risk.
Peace of Mind for High-Risk Industries
Umbrella insurance is essential in industries with higher legal or safety risk, offering protection when you need it most.
How Umbrella Insurance Adds Extra Protection for Less
Umbrella insurance helps protect your assets, reputation, and operations without drastically increasing your costs.
With commercial umbrella insurance, you gain a financial safety net that keeps your business stable after large claims.
How We Build a Strong Umbrella Policy for Your Business
We Assess Your Current Policies & Risk Exposure
We identify where your general, auto, or other coverage may fall short in a high-cost claim scenario.
We Build Custom Umbrella Plans for Your Business Type
We layer umbrella coverage over your existing policies to close liability gaps without overspending.
We Review Limits & Adjust as Your Business Grows
As your business grows or changes, we’ll adjust your umbrella limits and underlying policies accordingly.
Commercial Umbrella Insurance FAQs Answered
What does a commercial umbrella policy include?
A commercial umbrella policy adds liability protection on top of your existing general, auto, or employer policies.
Does umbrella insurance apply to multiple policies?
Yes, umbrella policies can sit on top of multiple primary policies to provide extended coverage across the board.
When should I consider getting umbrella insurance?
You should consider it if you have high-value assets, risky operations, or contracts that exceed your base policy limits.
Can I increase my umbrella coverage later?
Yes, you can increase coverage at renewal or mid-term as your business risk or size changes.