Commercial Umbrella Insurance
Commercial Umbrella coverage is critical to your business
It’s in the news. You hear more and more about massive jury awards that result in a business’ financial ruin.
Most business owners never expect to encounter a loss that exceeds the limits of the coverage they have to manage accidents, mistakes and injuries—also known as liability insurance—but unfortunately in today’s business environment, it happens too often.
A large loss could impact the business success you’ve worked so hard to achieve and destroy your hopes for a bright future.
Dwyer Insurance can help you protect the assets you have today by providing added coverage where you need it most. We can help you build a tailored insurance solution that meets the specific needs of your business.
All businesses are vulnerable
No matter the size of your company or how well it’s run, your business faces the potential of a devastating claim arising from an unforeseen event. For example, let’s say you own a retail store or apartment building, and a customer trips on the carpet and hits his head, sustaining serious brain injury.
You could be potentially liable for millions of dollars in medical and other payments.
Would that entire sum be covered by your existing business liability insurance? Could your business savings and/or revenue make up for the difference in what’s not covered?
If your answer is no, that’s where Commercial Umbrella Coverage comes in. Umbrella Coverage goes above and beyond basic business liability insurance limits, offering up to $10 million of additional funds to manage situations just like this.
If you are a small business owner, you might think they can’t take what you don’t have. Think again—a court can seize the business assets you currently have and even allocate future earnings to satisfy a judgment against you.
It’s never too soon to invest in umbrella coverage.
Get the ultimate in asset protection
It’s your decision how to best spend each one of your hard-earned dollars. But if an unexpected major loss occurs that key decision may no longer be yours.
You’ll find that Commercial Umbrella Coverage offers you a way to help ensure your business assets remain yours for less than you might expect.
Do you know if your current coverage offers you the protection that you want for your business against major catastrophic events?
How to get started on your quote
To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!
If you’re wondering what it would be like to never worry about exceeding your insurance limits, look no further than Dwyer Insurance, Inc.. With our commercial umbrella insurance plans, you can run your business with the peace of mind that you’ll always have enough protection, no matter what comes your way.
Call us now at (610) 898-3810 to see if a commercial umbrella policy is the right fit for you.
Dwyer Insurance, Inc.’s Umbrella Insurance Policies
Umbrella policies are advantageous to business owners for several reasons. For one, they are a relatively inexpensive option to get significant coverage, without raising the premiums in your existing policies.
Plus, the coverage provided in an umbrella plan can work in conjunction with a variety of policies, making it more flexible than other standard packages. For example, an umbrella policy can provide coverage when you exceed the limits of:
- General liability insurance
- Hired and non-owned auto liability insurance
- Employer’s liability insurance
- and much more
Go above and beyond standard coverage. Protect your business with the very best: our commercial umbrella policies will give you that added layer of protection when you need it most.
In-Depth Consultations on Business Umbrella Insurance
Commercial umbrella insurance isn’t a stand-alone option. It works as a supplementary source of coverage for existing insurance plans. When considering whether an umbrella plan is right for you, it’s important to assess how effective the policy will be when paired with the coverage you already have. That’s where our experts come in. We provide our clients with unparalleled industry knowledge and insight so that they can capitalize on the best-value policy for their unique situation.
When it’s convenient for you, we’ll sit down with you one-on-one to evaluate the liability risk and needs of your business. Some of the factors we will take into account are:
- Scope of coverage
- Policy period
- And more
The goal of umbrella insurance is to stand in the gaps in your current coverage. However, sometimes, business owners who don’t do their due diligence end up paying for coverage that’s virtually identical to what they already have. Our experts will help you avoid this mistake. We’ll meticulously comb through your existing policies to make sure your umbrella will fill the holes in your overall coverage. The result is, we’ll develop an intelligent, cost-effective strategy tailored to your business and industry.
Commercial Umbrella Claims Assistance
If you need to use your business umbrella coverage, you can count on our team to provide comprehensive claims assistance. We’ll guide you through the process of submitting a claim for:
- Legal fees
- Medical bills
- Damage expenses
- And more
You’ll appreciate the professional, compassionate demeanor of our claims assistance team. We go above and beyond to advocate on your behalf for your best possible outcome. From start to finish, we’ll be by your side to process the claim and resolve the issue at hand.