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Tennessee Commercial Umbrella Insurance

Extend your liability coverage with commercial umbrella insurance

In today's business environment, large and small businesses face various liability risks. Commercial Umbrella Insurance acts like a safety net, offering an extra layer of liability coverage for unexpected costs and legal issues that could harm your business. It comes into play when your primary insurance isn’t enough. Our Commercial Umbrella Insurance can give your business the protection it needs to thrive, no matter what challenges come your way.

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Commercial umbrella insurance coverages

Additional Liability Coverage

Broad Range of Liability Risks

Is commercial umbrella insurance right for your business?

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Common questions about commercial umbrella insurance

Commercial umbrella insurance adds additional liability coverage beyond the limits of underlying policies like general liability or commercial auto. It can help cover additional costs for large lawsuits, including slip-and-fall injuries, third-party property damage, and car accident liabilities. Essentially, it acts as an extra safety net when claims exceed the limits of your primary liability policies.

Commercial umbrella insurance may kick in when the limits of your other liability policies have been reached. For instance, if a lawsuit results in a settlement or legal fees that surpass the limit of your general liability policy, your umbrella policy may cover the excess amount. This helps ensure that your business isn’t financially burdened by large claims that exceed the coverage limits of your primary insurance policies.

Any business that faces significant liability risks should consider commercial umbrella insurance. This includes businesses that need to fulfill contracts requiring high liability limits, have high public foot traffic, own vehicles for business use, or operate in hazardous industries. It’s particularly important for small businesses to invest in umbrella insurance due to rising lawsuit and medical expense costs.

Commercial umbrella insurance coverage limits are typically determined based on the specific needs and risk profile of your business. Factors such as the industry you operate in, the scale of your operations, and the types of potential liabilities are considered. Our experienced agents can help assess your requirements and recommend an appropriate coverage limit to ensure comprehensive protection.

While commercial umbrella insurance primarily adds additional coverage for bodily injury, property damage, and other specified liabilities, it may also provide coverage for personal and advertising injury claims in some cases. It's important to discuss your business's unique risks with our agents to determine the extent of coverage needed for your specific circumstances.

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Tennessee Farmers Insurance Companies

P.O. Box 307

Columbia, TN 38402-0307