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Umbrella policies are good for individuals and imperative for business.

If umbrella policies are good for individuals, then they are imperative for business. When a catastrophic liability loss occurs, a Commercial Umbrella policy can mean the difference between business success or failure.

Standard liability policies can help protect a company from a broad range of situations, however, there may come a time when losses may exceed what primary insurance covers. A Commercial Umbrella and Excess Liability policy supplement your existing policy’s limits. From damaging multimillion-dollar lawsuits to auto accidents, to product liability claims… protecting your company means preparing and planning for the worst-case scenario.

Contact Mountain Insurance to have a Business Insurance Advisor recommend solutions for the extra security and peace of mind a Commercial Umbrella and Excess Liability policy can provide you.

The simple way to access the best Umbrella and Excess Liability Insurance options in Denver.

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Most common Denver Commercial Umbrella Insurance questions from our clients

What is the difference between Commercial Umbrella Liability and Excess Liability?

An Umbrella provides additional limits over your existing policy’s general liability, auto liability, and employers’ (Workers Compensation) liability limits. Excess Liability provides additional coverage for one type of insurance only.

Can I still purchase an Umbrella policy if my underlying policies are with different companies?

YES… however, it is easier to obtain an umbrella policy from one of the companies that insures your underlying general liability, auto liability or employer liability

Do Umbrella/Excess Liability policies cover the same risks as the underlying policies

Generally, YES. However, some umbrella policies may contain exclusions not found in the underlying policies or the exclusion may be broader

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We are dedicated to providing our clients with the highest quality in business and personal insurance products and services at the most competitive prices in Denver, CO.

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