Commercial Umbrella Insurance

Don’t Take Chances With Your Commercial Liability Protection.

Commercial umbrellaChances are the amount of liability protection you would receive from your general liability insurance, commercial auto insurance and business owners’ policy (BOP) may not provide enough financial protection in the event of a catastrophic loss. This can leave your business unnecessarily vulnerable to risk. A Commercial Umbrella policy from Phil Richard Insurance is designed to increase your liability protection when your current coverage maxes out. Let us show you how surprisingly affordable and easy it is to supplement your current policies with umbrella coverage.

Commercial Umbrella Key Facts

  • A commercial umbrella policy is designed to fill the gaps left by other coverages.
  • A commercial umbrella policy kicks in when you reach the limit on the underlying liability policy for your business.
  • An umbrella policy is also known as a commercial ‘excess’ policy.

Frequently Asked Questions

When do I need to purchase a commercial umbrella policy?
What are some factors that might affect the type of insurance my business needs?

Be sure to speak with one of our commercial lines experts at Phil Richard to determine whether a commercial umbrella policy is right for your business. Email: or call us at 978-774-4338.