Commercial Umbrella Insurance: Extending Your Protection Beyond the Basics
Request a QuoteEvery business faces risk—some big, some small. You do your best to prepare with solid insurance coverage, but what happens when a claim exceeds your policy limits? That’s where commercial umbrella insurance from TWFG ~ Burridge Family Insurance comes in. Think of it as an extra layer of protection that shields your company when the unexpected happens. It’s the safety net that keeps your business standing tall even when a large lawsuit or costly accident tries to knock it down.
Extra Liability Protection
When your general liability, auto, or employer’s liability coverage hits its limit, umbrella insurance kicks in—providing millions in additional protection for lawsuits, judgments, and settlements.
Peace of Mind for Business Owners
Accidents and legal claims are unpredictable. Umbrella coverage helps you focus on running your business instead of worrying about what could go wrong.
Protects Your Reputation
A major lawsuit can be financially and emotionally draining. With an umbrella policy in place, your business can recover faster and maintain its good name during tough times.
What Is Commercial Umbrella Insurance?
Commercial umbrella insurance provides an additional layer of liability coverage beyond the limits of your existing business insurance policies. It’s designed for situations where your primary coverage—like general liability, commercial auto, or employer’s liability—isn’t enough to cover the full cost of a claim. Umbrella insurance helps cover the gap, protecting your assets, employees, and future revenue.
For example, if your business is found liable for a $2 million lawsuit but your general liability policy only covers $1 million, an umbrella policy would step in to pay the remaining balance. That extra layer can mean the difference between a temporary setback and a devastating loss.
Why Your Business Might Need It
It’s easy to assume your standard policies are enough—but in today’s litigious world, even a single large claim can quickly exceed traditional limits. Businesses that interact with the public, employ large teams, operate vehicles, or manage multiple properties are especially vulnerable. Even smaller operations can face high-dollar claims for things like workplace injuries, customer accidents, or product liability lawsuits.
At TWFG ~ Burridge Family Insurance, we often remind business owners that umbrella insurance isn’t just for big corporations. It’s for anyone who wants to safeguard their success, reputation, and financial stability from the unexpected.
Common Situations Where Umbrella Coverage Helps
| Scenario | Potential Risk | How Umbrella Insurance Helps |
|---|---|---|
| Customer Injury | A customer slips and falls on your property, filing a lawsuit that exceeds your general liability limit. | The umbrella policy covers the remaining legal fees and damages after your standard coverage is exhausted. |
| Commercial Auto Accident | An employee causes a multi-car accident while driving a company vehicle, leading to major property damage and injuries. | When your auto policy limit is reached, the umbrella coverage pays the remaining costs. |
| Employee Lawsuit | An employee sues for discrimination or harassment, resulting in a large settlement. | Umbrella insurance extends your employer’s liability coverage, keeping your business protected. |
How Much Extra Coverage Do You Need?
The right amount of umbrella coverage depends on your industry, the size of your business, and your overall risk exposure. Many businesses start with $1 million in additional coverage, but for companies with multiple locations or significant assets, higher limits—like $5 million or $10 million—may be appropriate. The key is making sure your umbrella policy is customized to your specific risks, not just a one-size-fits-all number.
Here’s a quick look at typical coverage levels and who they might suit:
| Coverage Limit | Best For | Example Use Case |
|---|---|---|
| $1 Million | Small businesses with low public interaction | Local shops, small contractors, or consultants |
| $5 Million | Mid-sized businesses or those with multiple employees and vehicles | Retail stores, restaurants, or regional service companies |
| $10 Million+ | Large or high-risk businesses with significant assets | Construction firms, transportation companies, or manufacturers |
The Emotional Side of Protection
Beyond the dollars and coverage limits, commercial umbrella insurance offers something even more valuable—peace of mind. When your business is hit with a large, unexpected claim, it’s not just your bank account at risk. It’s your employees, your reputation, and the legacy you’re building. Having umbrella coverage means you can face tough moments with confidence, knowing you’ve done everything possible to protect what you’ve built.
Why Work With TWFG ~ Burridge Family Insurance?
At TWFG ~ Burridge Family Insurance, we understand that no two businesses are the same. Our team takes the time to evaluate your operations, review your existing policies, and identify where an umbrella policy can provide the strongest protection. We partner with top-rated carriers to deliver affordable coverage options tailored to your needs. Whether you run a small family business or a regional enterprise, we’re here to ensure you’re covered—no matter how big the storm.
Call us today at 972-926-5355 to speak with one of our commercial insurance experts and find out how an umbrella policy can fortify your protection.
Tailored Coverage
We don’t do cookie-cutter policies. Every umbrella policy we design fits your business’s specific risks and coverage goals.
Affordable Protection
Umbrella coverage often costs less than you think—especially when weighed against the financial devastation a large claim can bring.
Responsive Support
When you need help—whether reviewing a policy or filing a claim—our friendly, local team is here to guide you every step of the way.
Protect Your Business from the Unexpected
In business, you can prepare for a lot—but not everything. That’s why having commercial umbrella insurance in place is essential. It’s affordable, flexible, and designed to catch what your other policies can’t. Don’t wait until a costly claim puts your business at risk. Call TWFG ~ Burridge Family Insurance today at 972-926-5355 or click below to request your personalized quote. Let’s make sure your protection goes above and beyond.
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