COMMERCIAL UMBRELLA INSURANCE FOR COLORADO BUSINESSES

Add an extra layer of liability protection when a serious covered claim exceeds the limits of your underlying business policies.

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Insurance Experience Since 2011

PROTECTION BEYOND YOUR PRIMARY LIMITS

Commercial umbrella insurance can provide additional liability limits above certain underlying business policies..

BODILY INJURY CLAIMS

Provides additional liability limits when a serious covered bodily injury claim exceeds the limits of an underlying policy.

PROPERTY DAMAGE CLAIMS

Helps provide additional coverage for covered damage to another person’s property when the underlying policy limit is exhausted..

COMMERCIAL AUTO LIABILITY

Provides additional liability protection for covered accidents involving your business vehicles when damages exceed your commercial auto policy limits.

EMPLOYER’S LIABILITY

Can provide additional protection for certain employee-related injury claims that exceed the employer’s liability limits of your workers’ compensation policy.

PERSONAL & ADVERTISING INJURY

Helps provide additional limits for covered claims involving libel, slander, copyright infringement, or certain advertising injuries.

LEGAL DEFENSE COSTS

May help pay eligible legal defense expenses associated with a covered liability claim, subject to the terms of the policy.

More Options.
Personal Guidance.

As an independent insurance agency, McCloskey Advisor Group can compare coverage from multiple insurance companies instead of offering products from only one company. We look beyond the price to help you understand the coverage, limits, deductibles, and options included with each quote.

✓‍ ‍Quotes from multiple insurance companies

✓ Coverage limits explained in plain language

✓  Options based on your industry and risk level

✓ Continued support as your business grows

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ADDITIONAL PROTERELATED COVERAGE FOR YOUR BUSINESS

BUSINESS OWNER’S POLICY

Combines eligible property and liability coverages in one convenient policy for many small and mid-sized businesses.

GENERAL LIABILITY

Helps protect your business from covered third-party claims involving bodily injury, property damage, and personal or advertising injury..

COMMERCIAL AUTO

Provides liability and physical damage coverage options for vehicles used by your business..

WORKERS’ COMPENSATION

Helps cover eligible medical expenses and lost wages when an employee experiences a covered work-related injury or illness..

COMMERCIAL UMBRELLA INSURANCE FAQs

  • Commercial umbrella insurance provides additional liability limits above certain scheduled underlying business policies. It may begin paying after the applicable underlying policy limit has been exhausted by a covered claim.

  • Businesses with significant customer interaction, commercial vehicles, employees, valuable assets, contractual requirements, or a greater possibility of large liability claims should consider commercial umbrella coverage.

  • Insurance companies commonly require businesses to maintain specific limits on underlying policies such as general liability, commercial auto, and employer’s liability coverage.

  • The appropriate limit depends on your industry, assets, contracts, vehicle use, number of employees, business operations, and possible claim severity. Coverage is commonly offered in $1 million increments.

  • Coverage varies, but a commercial umbrella policy may provide additional limits for covered bodily injury, property damage, commercial auto liability, employer’s liability, and personal or advertising injury claims.

  • It generally does not cover intentional acts, damage to your own property, or exposures excluded by the policy. Professional liability, cyber liability, and employment practices claims often require separate policies.

  • Pricing depends on your industry, revenue, payroll, number of vehicles, underlying policy limits, selected umbrella limit, claims history, and other business risk factors.

  • Coverage limits may usually be adjusted with approval from the insurance company. Changes to your business or underlying policies should be reported so your umbrella coverage can be reviewed.