Commercial Umbrella Insurance

Commercial Umbrella Insurance was created to protect your business from a scenario where your regular insurance coverage isn’t enough. Umbrella liability insurance provides an extra layer of protection against bodily injury and/or property damage. Essentially, it picks up where your business auto liability, general liability or other liability coverage stops. It increases the liability limit that your company already has in existing, or underlying, liability policies and it broadens coverage for things that your underlying policies may not cover.

When Would I Need Commercial Umbrella Insurance?

• A customer slips on a wet floor in your office and injures himself. The medical costs of the injuries exceed your general liability policy’s limits.
• An advertising error results in major lawsuits against your business with costs that exceed your primary business liability insurance coverage limits.
• An employee damages a customer’s property while performing a service and the damages are valued at more than the amount that your commercial general liability policy will cover.

Common industries that request commercial umbrella insurance quotes include:

Construction
• Country Clubs
Golf Courses
• Cultural Institutions
• Financial Services
• Hospitality
• Law Firms
• Manufacturing
Printing and Publishing
• Professional Services
• Real Estate
Restaurants
• Retail
• Wholesale

FOR MORE INFORMATION ABOUT COMMERCIAL UMBRELLA INSURANCE, CALL OUR OFFICE AT (702) 330-3337, OR SEND US AN EMAIL AT INFO@NIS.VEGAS.

 

Frequently Asked Questions

An umbrella insurance policy in Nevada provides an extra layer of protection against bodily injury and property damage. An umbrella policy picks up where your business auto liability, general liability, or other liability coverage stops. If a claim exceeds the limit of your primary insurance policies, you will be covered with an umbrella policy.

No, commercial umbrella insurance is not mandatory in the State of Nevada. However, you may want to consider whether it is worth it for your business. Is your current coverage enough? Call us today for a free consultation.

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As a business owner, it’s important to assess your risk. This will help you determine whether the umbrella policy is a good fit for your business. If you’re working in a low-risk industry, you may be less susceptible to liability claims. In a high-risk industry, you may want to consider the scenarios and decide if you need additional coverage. If you would like help assessing the risk of your industry, please contact us at info@nis.vegas.