Commercial Umbrella Insurance

Horn & Co. Insurance Services and Farmers Insurance Group of Companiescan also provide you with the Commercial Umbrella Policy. Coverage is afforded to protect you against being underinsured whenever a large general liability or commercial auto loss occurs. No one ever expects to encounter a loss that exceeds $1,000,000, but unfortunately in today’s legal environment, losses above that size do happen.

The added protection provided by the Commercial Umbrella Insurance gives you the peace of mind that you have the extra protection you need to keep your business operating. Your policy not only provides indemnification for the actual damages, but it also pays for the defense expenses that often exceed the actual damages paid.

Additional Liability Limits

Coverage for Unexpected Exposures

Coverage for Legal Costs

Personal Umbrella Worksheet

Additional Liability Limits
With the Commercial Umbrella Policy, you get additional liability insurance, over the limits of your existing Business Insurance Liability Limits. Coverage limits are written in increments of $1 million, up to a maximum of $10 million.

Coverage for Unexpected Exposures
This coverage protects you against unknown or unexpected exposures not covered by your current policies (some exclusions may apply.

Coverage for Legal Costs
The Commercial Umbrella Policy protects you if you are ever sued for defamation of character, invasion of privacy, libel, slander, or other charges which you may not have coverage for. This coverage pays for legal costs, including representation by our attorneys, court costs, interest on judgments and premiums on necessary bonds.

Commercial Umbrella Worksheet
The chart below describes the types of eligible liability coverages and the basic underlying coverage amounts required under your existing policies. The Commercial Umbrella Policy will pay for claims up to your commercial umbrella limits once the underlying limits on your primary policies have been met.

Types of Eligible Liability Coverages	Basic Coverage Required
Businessowners & General Liability	$1,000,000 Per Occurrence/ $2,000,000 General Aggregate
Commercial Auto Liability	$1,000,000 Combined Single Limit
Garage Liability	$1,000,000 Each Accident/ $2,000,000 General Aggregate
Employers Liability	$500,000 Each Accident

This is a general description of coverage and is not a policy contract. The policy itself should be read for your coverages and exclusions. Insurance coverage underwritten by Farmers Insurance Group of Companies.

Commercial Umbrella Insurance