Secure your Kentucky-based business with comprehensive commercial umbrella insurance.

Tailored to enhance your current insurance policies, commercial umbrella insurance provides an added shield of protection for your business. Our team will collaborate with you to identify the perfect umbrella solution that meets all your business requirements.

Ensure the ultimate backup for your business with commercial umbrella insurance.

This additional layer of protection becomes invaluable in the event of worst-case scenarios that surpass the coverage limits of your primary business insurance policies.

Safeguard against exceeding payout limits.

Most business insurance policies, whether covering liability or property, come with predefined payout limits. If unforeseen circumstances arise, your business may be left responsible for expenses beyond these limits. Such unexpected costs could potentially jeopardize the survival of your business. However, with a commercial umbrella policy in place, it only comes into effect when your primary insurance policy reaches its payout limit. At that point, the commercial umbrella policy takes over to cover the remaining costs.

Illustration of commercial umbrella coverage in action.

Consider this scenario: Your business has a liability insurance policy with a coverage limit of $500,000, but you are faced with damages totaling $700,000. With a commercial umbrella policy in place, your liability insurance would first pay out the full $500,000, and then the umbrella policy would step in to cover the remaining $200,000.

A cost-effective investment with significant benefits.

One of the remarkable aspects of commercial umbrella insurance is its affordability, considering the relatively low probability of having to utilize its coverage.

Commercial umbrella insurance presents a worthwhile investment to fortify your assets. Get in touch with us, and we will assist you in determining if it’s the right choice for your business.