Do I need both a personal and a commercial umbrella?

Most business owners do. They cover different liability: commercial umbrella over your business policies, personal umbrella over your home and auto. A claim on either side can reach your assets.

Can one umbrella cover both my business and personal liability?

Generally no. They sit over different underlying policies and are usually separate. We coordinate them so they work together without gaps.

How much umbrella should I carry?

Enough to protect your assets and income on both sides, and to meet any contract requirements. We size each umbrella to your real exposure.

Umbrella Insurance for Business Owners

Two fronts of liability, one coordinated shield.

As a business owner, your liability runs through both your business and your personal life, and the two are connected. Umbrella coverage on both sides keeps a single large claim from reaching the wealth your business creates.

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Business owners typically need both a commercial umbrella over their business liability and a personal umbrella over their home and auto. Coordinated correctly, they protect the business and the family from claims that exceed the underlying limits. They are distinct policies that work as one plan.

Why owners need both

Your business carries liability through general liability, commercial auto, and employers liability. Your personal life carries it through your home and vehicles. A serious claim on either side can exceed the underlying limit and reach your assets. A commercial umbrella protects the business layer; a personal umbrella protects the personal layer. Owners who carry only one are exposed on the other, and the personal side is the one most often left thin.

How they coordinate

The two umbrellas sit over different underlying policies, and each requires those policies to carry stated minimum limits. Coordinating them means confirming the business and personal foundations both qualify, and sizing each umbrella to the exposure it sits over. Done right, there is no gap between the layers and no claim that falls between the business and personal programs.

Sizing to what you have built

The amount of umbrella to carry reflects your assets and income, on both sides. As the business grows and your personal wealth grows with it, the limits should keep pace. Contracts may also dictate commercial umbrella minimums. We size both to your real position rather than a round number, so the protection matches what is actually at risk.

Two fronts of liability, one coordinated shield.

Why owners need both

How they coordinate

Sizing to what you have built

Common questions.

Is your personal side as protected as your business?

Keep going.

Personal Umbrella

Commercial Umbrella

Personal for Business Owners

Shield both sides of your liability.