When accidents happen, and your existing liability insurance policies cannot cover all the claims, umbrella insurance kicks-in. True, standard business liability provides coverage in most situations, but for those where claims are much higher, the umbrella will protect your assets.
So how do you know if you need umbrella insurance? Consider the types of activities in which you engage, especially if the unusual or unplanned accident occurs.
Talk to your Universal 1st agent to determine whether your business would benefit from commercial umbrella insurance.