Just like personal umbrella insurance, commercial umbrella insurance covers where general policies don’t. It’s important to note that commercial umbrella insurance is not a standalone policy but is typically purchased in addition to primary liability policies. As a business owner, investing in this type of insurance adds an additional layer of liability insurance coverage that provides increased protection for businesses beyond the limits of their underlying primary insurance policies. Businesses should assess their liability risks, evaluate the limits of their existing primary insurance policies, and consider the potential financial impact of large claims. Prichard Insurance Agency can help businesses determine whether commercial umbrella insurance is necessary and select the appropriate coverage.