Commercial Umbrella Insurance

Looking for the right coverage for your business? Squier Insurance
Agency can help you find the right policy.


Typically, the more your business interacts with clients and customers, the higher your liability risk is. These risks can be even greater if your employees use heavy machinery or dangerous equipment.

What is Commercial Umbrella Insurance?

Commercial Umbrella coverage gives you extra liability coverage to help pay costs that exceed your General Liability or other liability policy limits. Without this business insurance coverage, you’d have to pay out of pocket for expenses that cost more than your coverage limits.

When Should a Commercial Umbrella Policy Be Considered

Business owners should consider Commercial Umbrella Insurance if they think the cost of a claim could ever exceed their liability limits. Some examples are:

  • A visitor to your property slips and falls
  • A customer suspected of stealing later proves her innocence and sues for defamation of character.
  • An employee falls asleep at the wheel while on company business and collides with another vehicle, resulting in major injury or death.
  • Your business frequently interacts with customers.
  • Your business is open for the public to visit.


What Standard Commercial Umbrella Policies Cover

A Commercial Umbrella Policy provides extra coverage for certain types of liability insurance by extending your primary policies. That’s important because if you don’t have a policy in the first place, Commercial Umbrella Coverage can’t extend it.

What Standard Commercial Umbrella Policies Do Not Cover

It’s also important to know that Commercial Umbrella Insurance doesn’t cover every type of liability claim, and it won’t extend certain types of liability coverage. Here are some examples:


If Legal Costs Exceeds Your Professional Liability Policy Limits


Does Not Cover Damages To Your Own Home, Car or Personal Possessions

The Right Insurance Policy Begins Here

Begin By Contacting An Agent.

To add this coverage, please get in contact with a Squier Insurance Agent. They will walk you through each step, making sure the coverage you select meets your needs. To begin, please choose one of the options below.

Contact Us Today

Speak with a Squier Insurance Agent to find the coverage you need. 

(618) 576-2207

Not Able To Call?

Begin by completing our online form. An agent will contact you as soon as possible.

Locate A Trusted Squier Insurance Agent

Hardin Facility

809 West Main St.
Hardin, IL 62047
(618) 576-2207

Pleasant Hill Facility

610 West Quincy P.O. Box 308
Pleasant Hill, IL 62366
(217) 734-9241

Hardin Location

809 West Main St.
Hardin, IL, 62047

Pleasant Hill Location

610 West Quincy,
Pleasant Hill, IL, 62366

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Contact Information

809 West Main St,
Hardin, IL, 62047

610 West Quincy,
Pleasant Hill, IL, 62366

(618) 576-2207

(217) 734-9241
(Pleasant Hill)

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