Commercial Umbrella Insurance

Protect Your Business Beyond Your Basic Policy Limits with Extended Coverage

At Olympia Insurance Services, we provide affordable umbrella insurance coverage that kicks in if you're held liable for costs that exceed the coverage limits of your primary liability policy.

Claims Covered by Commercial Umbrella Insurance

Claims Covered by Commercial Umbrella Insurance

Commercial insurance policies can cover attorney fees, medical bills, damage to other people's property, as well as court settlements and judgments. They are designed to provide financial protection to your business if you're held liable for claims that exceed the policy limits of your general liability insurance as well as other liability coverages.

Therefore, your commercial umbrella insurance will expand your liability coverage by providing extra payouts that'll help cover huge claims. You can use commercial umbrella insurance to protect your business from several types of liability claims, including:

  • Customer Injury
  • Product Liability
  • Vehicular Accidents
  • Reputational Damage
  • Libel/ Slander

Umbrella insurance policies add extra liability coverage to your general liability policy, workers' comp policy, commercial auto policy, and employment practices policy. It can also add additional liability coverage to your hired auto coverage, paying for damages that emanate from vehicles hired for business purposes.

Policy Exclusions

Unlike some liability policies that exclusively cover named incidents, a standard commercial umbrella policy covers all incidents except those expressly excluded from the policy.

Some common exclusions are as follows:

  • Damage to your property:

    Commercial umbrella insurance is a liability policy and thus only covers damage that you've caused to others' property

  • Intentional damage caused by you or others named in your policy:

    If your employee deliberately pushes a client down a set of stairs, your commercial umbrella insurance won't cover the legal expenses from the lawsuit and the judgment or settlement

  • Liability incurred in professional or business activities:

    Such incidences are covered by business liability insurance

  • Liability that's part of your contractual obligations
  • Liability resulting from armed conflicts and war
Policy Exclusions
We Have Your Back at Olympia Insurance Services

We Have Your Back at Olympia Insurance Services!

Regardless of the safety measures you have in place for your business, accidents can still happen. You can't completely avoid risk through preventative measures alone. So you need to be fully prepared for unexpected accidents, which could otherwise lead to expensive lawsuits.

At Olympia Insurance Services, we will help you acquire a commercial umbrella policy that adequately protects your business. We also offer exceptional customers service and a 24/7 claims service. To set up your appointment, contact us today at or call us at (818) 710-3852. We are located at 5850 Canoga Ave Suite 400, Woodland Hills, CA 91367.