Umbrella Coverage

Umbrella coverage is a crucial layer of extra liability protection for businesses, providing financial security beyond the limits of your primary policies. At McDowell Insurance Agency, we offer business umbrella insurance designed to supplement your existing policies, offering extended coverage that kicks in when your underlying liability coverage is exhausted. This added layer of security helps safeguard your business from large financial claims that could otherwise threaten its stability.

Business umbrella insurance covers a range of liability claims, from bodily injury to property damage, extending beyond the limits of general liability, commercial auto, and other liability policies. This means that if an incident results in a claim that exceeds your policy limits, umbrella insurance steps in to cover the excess amount, up to the umbrella policy’s limit. For example, if a customer sustains serious injuries on your property, and the medical costs exceed your general liability coverage, umbrella insurance can help bridge the gap.

Umbrella insurance also provides protection against potentially costly lawsuits that could arise from unforeseen events. It offers peace of mind, knowing that your business is covered even in worst-case scenarios.

Our agents work closely with you to determine the appropriate level of umbrella coverage for your business, based on factors like business size, industry, and risk exposure. McDowell Insurance Agency is committed to providing affordable, comprehensive protection so that you can operate confidently, knowing you’re covered. Contact us today to explore how umbrella coverage can protect your business from unexpected liability costs.