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:
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Using company vehicles like cars, trucks, or vans
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Frequent interactions with customers
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Performing work on someone else’s property
You may also need a CLUP to meet specific liability requirements, such as:
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Landlords requiring higher liability limits
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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
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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.
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