Your US commercial umbrella insurance could mean the difference between losing your business and continuing as usual in extenuating legal circumstances. A policy of this nature will help you if a lawsuit exceeds the limit of your other commercial liability insurance coverage.

US commercial umbrella insurance is also known as excess liability insurance. You can use it to add coverage to an existing general liability policy, hired and non-owned auto liability policies and employer's liability policies.

To make the most of US commercial umbrella insurance resources:

1. Start by running a comparison of US commercial umbrella insurance prices nationwide.

2. Speak to your current insurance agent to see if they offer US commercial umbrella insurance policies, and if so see how their prices compare to nationwide averages.

3. Speak to a service representative at your top locations to answer any questions you might have as to the extent of the coverage.

Action Steps
The best contacts and resources to help you get it done

Obtain quotes for US commercial umbrella insurance policies

With the number of US commercial umbrella insurance carriers available to purchase from, it is a wise decision to price shop online before speaking to a customer service representative.

I recommend: Run a quotefind from MostChoice. They also offer additional information on business risks that you would need insurance for. Obtain an online quote from 2OrderDirect. Have E-Insure send you a quote from one of their vendor friends. Turn in a quote request to Heritage Insurance House.

Find US commercial umbrella insurance carriers

Take advantage of the many corporate and independent agent US commercial umbrella insurance carriers. Find an organization that can offer competitive pricing while still making sure that they are giving you more than adequate coverage.

I recommend: Look at the UmbrellaPrime commercial umbrella insurance coverage from AIG. Consider Zurich North America for your domestic commercial umbrella insurance needs. Nationwide Mutual Insurance is another source for national commercial umbrella insurance. Farmers also offers us commercial umbrella insurance policies.

Compare features of US commercial umbrella insurance providers

Each set of US commercial umbrella insurance providers is able to offer you different insurance add-ons to your existing policy.

I recommend: Look at the client focused services of FM Global. Purchase a US commercial umbrella insurance policy from Business Insurance Now. Add one of their US commercial umbrella insurance policies to your existing coverage. Safeco Insurance Company of America offers unlimited defense costs, extended coverage for newly acquired organizations, worldwide coverage as well as coverage for mental injury allegations. RLI offers competitive pricing and personal relationships with their clients. They offer general liability, employers liability and automobile liability.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  You will generally have to tack on your US commercial umbrella insurance to an existing policy. It is not generally something that you can purchase a la carte.