Umbrella Iinsurance
Extra coverage can help you prepare for the things you don’t see coming.
What is commercial liability umbrella insurance?
In business, it’s important to be ready for both the growth you plan for and the surprises you don’t see coming. Commercial liability umbrella insurance (CLUP) provides additional protection for those rare but costly events that go beyond your standard policy limits. It also gives you the flexibility to extend your liability coverage across multiple policies at once.
How it Works:
Imagine your business has a general liability policy with a $1 million limit and a business auto policy with a $1 million combined single limit. That might seem like plenty—until something major happens. Suppose an employee causes a multi-vehicle accident while driving a company car, leading to severe injuries and $5 million in damages. Without additional coverage, your policies would only cover $1 million. A Commercial Liability Umbrella Policy (CLUP) could step in to cover the remaining $4 million—protecting your business from having to pay that amount out-of-pocket.
Do I need commercial liability umbrella insurance for my business?
If you lose a liability lawsuit and the judgment far exceeds your coverage limits, could you afford to pay the excess cost yourself? No matter how thoroughly you train your employees or how rigorously you design and implement your safety procedures, bad things can still happen. Not having enough coverage could bankrupt your business.
For most businesses, the question isn’t whether you need coverage — it’s how much you need. This is especially true if your operations involve:
-
Using company vehicles like cars, trucks, or vans
-
Frequent interactions with customers
-
Performing work on someone else’s property
You may also need a CLUP to meet specific liability requirements, such as:
-
Landlords requiring higher liability limits
-
Contracts that demand coverage beyond your existing policy limits
What type of business's do we insure?
We insure over 300 types of business's, see some of the most common types below.
Contractors and trades
Carpet and upholstery cleaner
Electrician
Flooring contractor
HVAC contractor
Painter
Plumber - commercial and residential
Specialized professions
We're in the business of helping your small business
Agent know-how
We are small business owners too. We understand what it takes to run a business and are ready to help you set up for success.
Customizable insurance
Harbor One offers a wide variety of coverage options that you can tailor to help fit your unique business needs. You can choose the right coverage at the right price for you.
Personalized service
We are ready to help your business grow and thrive with good neighbor service you can count on no matter what.
Assets with South Carolina Umbrella Insurance Today
Do you want to secure your investments even more? You can also need to look at South Carolina umbrella insurance. This kind of coverage gives you greater legal responsibility coverage on the pinnacle of what you already have, so you're included against things that you failed to foresee.
Why Umbrella Insurance in South Carolina
Our skilled staff is here to assist you in locating the correct coverage for your specific requirements. We take a full look at your existing coverage and find any South Carolina umbrella insurance solve. This means you may live your life to the fullest, knowing you're safe.
Please do not wait till it's too past due. Check out our South Carolina umbrella insurance picks right now to see how simple it is to get extra coverage. We're here to make sure you receive the greatest protection available with customizable plans and pricing that are hard to beat.
To find out more about how we can help you protect your future, go to our dedicated umbrella insurance page at Harbour One Insurance. Get in touch with us for a free consultation so we can talk about how umbrella insurance can help you right now!