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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Gino is a great agent. He's taken the time to help me adjust my policy when I moved and needed additional coverage. He came back with the right answers within hours. I trust him.
Jon C.
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I am thankful for the fine service that Gino and the firm has provided for me and my family. We have been customers for years now and he has never wavered as a source of support and information.
Jose C.
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I've appreciated my dealings with your office for a long time.
Lawrence E.
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I have been with Bearstar for seven years and never once had any problems. They always responded quickly and answered any questions I've had. They always advised me on what is the best coverages for my situation. I highly recommend Bearstar
J. R.
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Excellent service and competitive rates I use them for all of my family’s insurance needs. I would highly recommend them.
Lloyd K.
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I have been a client for years. I get personal service for the same rates I would get from the budget insurance companies out there where I would deal with a different person every time.
Kristian S.
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They handle all of my insurance needs. They respond quickly and make sure I have the right coverages in place. With them business insurance is one less thing I have to worry about, allowing me to focus on running my business
Fairmont Flooring
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Always there for us. A fantastic business partner. Highly recommended!
Junk King of Orange County
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They take care of all of my business insurance needs. They stay on top of questions, renewals and certificates all issues immediately. I couldn't recommend them any higher - the best!
M Scott
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