Commercial Umbrella Insurance

Business Insurance

Commercial Umbrella Insurance

We want your business to succeed, even in the event of a catastrophic liability claim. Being an independent insurance agency, we offer commercial umbrella insurance from many companies and will present you with competitive pricing. One of the many tools and resources we offer is a no-obligation risk assessment so you understand your liability exposures before a claim arises. Should the catastrophic occur, let us help keep your business on level ground.

Commercial Umbrella Insurance

Commercial umbrella insurance offers additional protection over and above your business’s general liability, business auto/truck liability, and workers’ compensation insurance policies.  It can also be placed over professional liability and other specialized liability coverages to increase the overall policy limits.

We Offer

  • All major national and regional commercial umbrella insurance carriers
  • Experience with courteous service
  • Your own agent, with a phone number that rings on their desk.
  • The best insurance value for your dollar
  • All supporting lines of insurance coverage, if desired.
  • Limits from $1,000,000 to $200,000,000 and higher
  • Umbrella, Excess, and Bumbershoot policies

 We Can Insure

  • A broad scope of business operations
  • All industries and specialties

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At Bankers Insurance, the client is always in control.

An extra layer of protection.

We love hearing about successful businesses. Nothing makes us smile more broadly than a client telling us how their business is growing. As your business grows, so does your exposure.  As your assets increase, more is at risk, and the larger a lawsuit target you become. One mean to increase protection along the way is through a commercial umbrella insurance policy.

Large claim judgments are becoming more commonplace. We’ve told the story many times, but one of the largest claims seen by our agency was for an automobile accident. The injured party required lifetime healthcare and was no longer able to work, resulting in a $2,500,000 court judgment. Umbrella liability can be written to go over top of business auto, general liability, and most any other liability coverage, protecting your business from such exposure.

Commercial Umbrella Insurance Exposures / Underlying Policies

Commercial Umbrella Insurance Quote Request

  • Prefer a quote by phone? Call (877) 606-1375.
  • We currently only quote new clients located in DC, MD, NC, SC, TN, VA, & WV.
Quote, Commercial Umbrella
Are you a current client of Bankers Insurance?
Include information you would like for us to know, or questions you have. If you have your policy numbers and expiration dates handy, please include them as well.
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Business Insurance Full Application

How To Start

  1. Consider the exposures listed above.
  2. Gather existing policy numbers and expiration dates.
  3. Contact us or complete the application above to get the process started.

Factors and Cost Drivers

Commercial Umbrella liability is very affordable.  Thankfully, it is also easy to apply. Many times, the insurance company that has your general liability insurance will also offer a quote for umbrella insurance.  Cost always depends on what your business does and how much of it they do, but a general rule of thumb is $1,200/year for the first $1,000,000 increase, and about $1,000/year for every $1,000,000 increase after that.  Some of the items that can affect cost are:

  • Business operations.  What your business does.
  • Business total sales and/or payroll.  The more your business does, the more risk exposure.
  • Number of vehicles and drivers on your business auto policy.
  • Claims history
  • Other policies over which you desire the coverage to extend

Why Bankers Insurance?

Anyone can be an order-taker. Bankers Insurance is different.

We don’t expect clients to be commercial umbrella insurance experts. Take advantage of our experience. We can explain options and help you determine coverage that suits your needs.

As your insurance agent, we strive to know you. Only then can we suggest coverage that fits your specific business. We look for coverage gaps and offer protection. With us, you get the benefit of:

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