A commercial umbrella, or excess liability policy is a low-cost option that protects your businesses from significant financial losses. At BearStar, our commercial umbrella coverage limits scale up to $50 million.

Business owners opt for a commercial umbrella policy to raise limits on their underlying policies, potentially saving millions in some cases.

3 Functions of Commercial Umbrella Coverage

  • It provides additional coverage on top of underlying policy limits,
  • You’ll receive primary coverage after underlying limits have been exhausted,
  • It offers broader coverage depending on policy exclusions and conditions.

A commercial umbrella policy is meant for large, even catastrophic losses, with costs primarily determined by your business’s specific operations. In most cases, however, umbrella insurance is quite low when compared to underlying coverage costs.

BearStar Insurance:

Bringing You Back From Catastrophic Losses

 

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They have always been responsive to our needs, whether it's adding a driver to our auto insurance, finding discounts to help us keep our premiums reasonable, bundling our auto and homeowner's, etc. They returns calls and emails quickly and knows their stuff. When we bought an RV on a holiday weekend we were able to get them on the phone and arrange for the required insurance before we drove off the dealer's lot. Excellent customer service!
Natalie T.
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