Protect your business from catastrophic lawsuits and massive claims that exceed your standard policy limits with Commercial Umbrella insurance from Barefoot Insurance Broker. No matter what state you operate in, this vital extra layer of coverage acts as a safety net to protect your company’s assets when your primary policies are exhausted.
Call or TEXT (251) 202-3090
Who Needs Commercial Umbrella?
Ideal for businesses facing higher liability risks across the country, including interstate commercial trucking fleets, construction companies, and commercial property owners. If a single severe accident or lawsuit could easily exceed your standard $1 million General Liability or Commercial Auto limits, you need an umbrella policy.
Coverage Includes
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Extra Liability Limits: Additional millions in coverage (typically $1M to $5M+) that sit directly on top of your underlying policies.
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Commercial Auto Extension: Extra protection for massive auto accidents (e.g., a major multi-vehicle collision involving your commercial truck).
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General Liability Extension: Extra protection for severe bodily injury or property damage claims (e.g., a customer suffers a life-altering injury on your premises).
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Employer’s Liability Extension: Additional protection for major employee lawsuits not fully covered by standard Workers’ Compensation.
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Legal Defense Costs: Continued coverage for attorney fees and court costs once your primary policy limits are maxed out.
Real-World Examples
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An interstate commercial trucker caused a severe multi-car collision; the Umbrella policy covered the $2.5 million settlement after the primary auto limit was exhausted.
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A general contractor accidentally caused a fire that destroyed a client’s building; the Umbrella paid the remaining damages to keep the business out of bankruptcy.
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A guest suffered a major injury at a commercial property; the Umbrella covered the massive medical and legal costs that exceeded the base General Liability policy.
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A regional delivery driver hit a pedestrian; the extra coverage handled the catastrophic medical payout without the business owner having to liquidate their personal assets.
Why Choose Barefoot?
Whether you are hauling freight across state lines or running a local contracting business, our team understands your unique risks. We evaluate your current policy limits and tailor a Commercial Umbrella policy to ensure your life’s work is fully protected from the unexpected, no matter where your business takes you.
Call or TEXT (251) 202-3090