Why a Business Needs an Umbrella Policy

umbrellaswagWhether you own a small or large business operation, it is vital that you have an umbrella policy. Umbrella policies are used as extra protection to protect you from any unforeseen liabilities. When serious situations arise, it is important to have a umbrella policy for your business.

Umbrella policies are a relatively inexpensive way to protect your business in areas that regular liability coverage falls short. These areas include auto, general, and other liability coverages. An umbrella policy will expand the limits that your business has under its general liability policy. Commercial umbrella polices can be specially tailored to fit the specific needs of a business to ensure you are protected.

Your umbrella policy will kick in once general insurance coverage is exhausted. For example, maybe your business property has a carbon monoxide leak that results in injuries or deaths to people in the building. This could prove to be a very expensive incident and your normal insurance policy may not cover all of the liability costs that could accumulate. However, with an umbrella policy, your additional liability costs would be covered.

A business can be completely wiped out if a serious incident happens. Do not let this happen to your business by obtaining an umbrella policy through Community Insurance & Associates. Give us a call today and we will set you up with a great umbrella policy to fit all of your needs.

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