Umbrella Policy

Court awards and out-of-court settlements can reach staggering sums, which can easily be more than your current business liability policy provides. Even the smallest businesses are vulnerable to these large liability claims. Once your business liability has paid up to its limit, you become responsible for any amount remaining in a lawsuit award or out-of-court settlement. Umbrella policies offer additional protection for catastrophes, unusual exposures, and additional liability limits beyond underlying insurance coverages.

High limits - Affordable protection of $1,000,000 or more for each occurrence in excess of the underlying insurance.
Broad coverage - Protection goes beyond the scope of coverage provided by the underlying insurance.
Legal costs in addition to limits - Legal defense costs are covered in addition to the umbrella limits of liability.
Legal defense from the first dollar - If the underlying policy does not provide this protection, legal defense and settlement costs are covered from the first dollar.

Our Umbrella policy is designed to meet clients' needs for a well-rounded business insurance program.

Note: Coverage statements are general descriptions only. The full and exact contract is contained only in the policy. Product availability only in the state of Texas. Please email an agent if you have any questions.