Commercial Umbrella Insurance in New Braunfels, TX
Businesses often face risks that standard insurance policies may not fully address. Commercial umbrella insurance may provide additional financial support when claims exceed the limits of your existing liability coverage.
Who Needs Commercial Umbrella Insurance? 
A commercial umbrella policy can benefit any business exposed to liability claims. This includes companies that interact frequently with the public, operate a fleet of vehicles or employ a large workforce.
Businesses that commonly secure an umbrella policy include:
- Construction companies
- Hospitality businesses such as hotels and restaurants
- Transportation and logistics providers
- Manufacturers and distributors
- Retail stores and shopping centers
- Healthcare facilities and clinics
What Does Commercial Umbrella Insurance Cover?
If a claim surpasses the limits of your general liability, commercial auto or professional liability coverage, the umbrella policy can step in to handle the remaining costs. This additional coverage may apply to legal fees, settlements or judgments.
This means your policy may:
- Cover claims related to accidents involving company vehicles
- Pay for medical treatment if a guest slips and falls on your premises
- Cover repair costs when your crew accidentally damages a client’s property
- Provide added coverage for claims related to workplace injuries
How Much Coverage Does My Business Need?
The appropriate coverage depends on many factors, including your industry, workforce size and risk exposure level. Review your existing policies, evaluate potential risks and consider contracts that may require specific coverage limits. Speak to an insurance professional from Primero Insurance for more guidance.
We’re Here to Help
The agents at Primero Insurance can help your business secure suitable commercial insurance coverage. Contact us today to get started.