Umbrella Liability coverage provides an additional layer of protection for liability claims that exceed the limits of your general liability and commercial auto. (Umbrella Liability coverage is sometimes referred to as Excess Liability.)
For example, if you have a Business Owners Policy with a $1 million policy limit for general liability, and a covered claim is settled for $1.5 million, your Business Owners Policy will pay for the first $1 million of the claim and your Umbrella Policy will cover the additional $500,000 (less your deductible or self-insured retention, if any). Without Umbrella coverage, you are responsible for damages that exceed the limits of your primary policy.
Umbrella coverage is not a substitute for adequate insurance coverage on your primary policy, but it does provide affordable protection against catastrophic losses by picking up where your other policies end.
Millers Mutual offers Umbrella limits up to $10 million and premiums start as low as $400 for $1 million of coverage.
Have a Question?
Complete and submit the form below, or call one of our Underwriting Leaders: Scott Billett (717-237-7202) or Derek Shaffer (717-237-7244).