Commercial Umbrella Coverage

Umbrella, or excess liability, has become an increasingly critical component of a well-designed insurance program. A bit of a misnomer, umbrella coverage is designed to respond when the underlying liability limits of your various other policies have been exhausted by a claim.

Traditionally umbrella policies were thought of as only necessary for the most sophisticated and large-scale businesses. Today, we help clients understand the value of excess liability at any stage of their business life cycle. The reason? Umbrella coverage, as a function of premium paid for dollars of protection, is relatively inexpensive. Adding protection in increments of a million dollars through excess liability can result in a total limit that is much more suitable in today’s day and age, where lawsuits and their dollar amounts seem to know no limit.

Personal umbrella liability is also available for the owners and stakeholders of a business through Mason & Mason’s personal lines practice.

Guard against:

  • High-dollar claims for property damage and bodily injury where general liability limits can quickly be exhausted
  • Personal Injury
  • Lawsuits involving accusations of libel or slander (some carriers)
  • International risk

We suggest a full review to assess the risk to your business’s current and future value in comparison to your program’s current limits of liability.

Get a Quote!

For the fastest and most accurate quote, please fill in our form below and one of our team members will be in contact with you soon.

Your Commercial & Small Business Insurance Team

“They have always been there for us in years past, and we are very confident they will be there for us whenever we need to call on them in the years to come.”


Joe Scanzillo, Scanzillo Corporation

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