ABOUT CAREERS AGENTS INVESTORS SUSTAINABILITY CONTACT US LOG IN For Individuals For Business Claim Center Prepare & Prevent Home Small Business Commercial Umbrella Insurance Commercial Umbrella Insurance A Commercial Umbrella Insurance policy adds an additional layer of protection to help safeguard your assets should your business become faced with the catastrophic impact of a large claim or lawsuit. What happens if your business is sued and the judgment amount exceeds the liability limits of your primary insurance policy, or you have multiple claims and the limits are exhausted? Not having adequate coverage for lawsuits can leave your business exposed. Umbrella insurance can help address these risks. Commercial Umbrella The coverage provided by your Commercial General Liability, Commercial Automobile Liability or Commercial Employers' Liability policies should protect you in most situations. However, adding a Travelers Commercial Umbrella policy provides an additional layer of protection. This can include: An affordable second source of protection for your business beyond your primary insurance Provides higher limits of liability for automobile, general liability, and employers liability Can cover exposure gaps by kicking in where your primary insurance ends Not just for large companies; limits up to $25 million may be available for all small business types Consider these liability risks: A customer is injured when falling down slippery steps, causing injuries that require long term care An employee in a company vehicle rushes through a traffic light, resulting in an accident that causes severe injury and property damage During the course of a workday, one of your employees causes an accident that severely injures a vendor. Related Products & Solutions Business Owner's Policy (BOP) Combines property and liability insurance to provide a bundled, affordable solution that meets the general needs of your small business. Commercial Auto Whether you have employees driving occasionally to an off-site meeting or a fleet of drivers delivering products to customers every day, Travelers can help protect your business on the road. Professional Insurance Unfortunately, mistakes can happen. Protect your business from liability risks resulting from professional services, advice or recommendations provided by your business. Workers Compensation — Small Business Provide benefits to your employees and protect your business when a work-related injury occurs. Insights & Expertise Why Create a Business Continuity Plan? Developing a plan in advance can help businesses weather unexpected emergencies. Small Business Insurance Glossary Here are some of the more important terms to help you understand your policy. Related Services Risk Control We have one of the largest Risk Control departments in the industry, and our scale allows us to apply the right resource at the right time to meet customer needs. Claim Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism. It's our business to help keep you in business. 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Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.