Commercial Umbrella Coverage

This is a policy designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers liability coverage.

The umbrella policy serves three purposes:

  • It provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims.
  • It drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims.
  • It provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention (SIR).

Our office is equipped with the latest technology and each of our knowledgeable insurance brokers will take the time to explain your options and tailor a policy suited specifically to you. We welcome you to experience the i80 difference.

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