Commercial Umbrella Insurance is catastrophic liability protection that sits above your primary business policies, providing additional millions in coverage when the unthinkable happens. Think of it as a safety net that catches you when a devastating accident, major lawsuit, or multi-million dollar judgment threatens to destroy everything you've worked to build in your Ohio or Pennsylvania business.

For successful Ohio and Pennsylvania business owners with significant assets to protect—including business property, personal real estate, investment accounts, and family wealth—Commercial Umbrella Insurance is absolutely essential. A single catastrophic incident can result in judgments that far exceed your primary insurance limits, leaving your personal assets vulnerable to seizure. With business liability lawsuits averaging $3.2 million and some reaching $10+ million, your standard $1-2 million general liability policy may not be nearly enough.

What makes Commercial Umbrella Insurance so valuable is how it works seamlessly with your existing policies. When a covered claim exceeds your underlying insurance limits—whether general liability, commercial auto, or workers' compensation—your umbrella policy automatically kicks in, providing additional coverage up to your umbrella limits. It also offers broader protection than your underlying policies, sometimes covering incidents that might be excluded from your primary coverage, giving you an extra layer of security when you need it most.