When Your Liability Limits Run Out. Umbrella Coverage Kicks In.
One major lawsuit can exceed your policy limits. Commercial umbrella insurance adds an extra layer of liability protection over your general liability, commercial auto, and employer's liability policies — for pennies on the dollar.
One Lawsuit Can Exceed Your Policy Limits
Every liability policy has a limit — a maximum amount the insurer will pay per claim or per year. When a severe accident, major lawsuit, or catastrophic event exceeds those limits, your business pays the difference out of pocket. For many small businesses, that gap can be financially devastating.
Commercial umbrella insurance is your financial safety net. It sits on top of your existing liability policies — general liability, commercial auto, and employer's liability — and kicks in when those underlying limits are exhausted. It's one of the most affordable ways to dramatically increase your total liability protection.
Whether a customer slips and falls, an employee causes a serious auto accident, or a lawsuit spirals beyond your policy limits — commercial umbrella insurance keeps your business financially protected when it matters most.
Get an Umbrella Quote →Could one lawsuit exceed your policy limits?
If a claim costs more than your existing coverage, your business pays the difference. An umbrella policy closes that gap — affordably. Let us review your limits today.
Get a Free Quote →660-665-1687 · 660-754-1000
Commercial Umbrella Coverage Through Brawner
Commercial umbrella extends the limits of your existing liability policies — providing an extra layer of protection when your underlying coverage is exhausted.
Excess General Liability
Extends the limits of your general liability policy when a bodily injury, property damage, or personal injury claim exceeds your GL per-occurrence or aggregate limits.
Excess Commercial Auto
Extends your commercial auto liability limits when a serious vehicle accident — involving injuries, fatalities, or major property damage — exceeds your auto policy's coverage amount.
Excess Employer's Liability
Extends the employer's liability portion of your workers' comp policy when an employee lawsuit for a workplace injury exceeds the underlying employer's liability limits.
Bodily Injury Claims
Covers excess medical costs, lost wages, pain and suffering, and funeral expenses when a bodily injury claim — from a customer, visitor, or third party — exceeds your underlying limits.
Property Damage Claims
Covers excess repair or replacement costs when your business damages someone else's property — and the costs exceed your general liability or commercial auto limits.
Legal Defense & Settlements
Covers excess attorney fees, court costs, and settlement or judgment amounts when the total legal costs of a claim exceed your underlying policy's defense limits.
Advertising & Personal Injury
Extends coverage for claims of libel, slander, defamation, copyright infringement, or invasion of privacy that exceed your general liability policy's personal and advertising injury limits.
Contractual Requirements
Many client contracts, landlords, and government projects require higher liability limits than standard policies provide. Umbrella insurance is a cost-effective way to meet these contractual requirements.
Let's build your umbrella policy.
We assess your existing coverage, risk exposure, and contractual needs to find the right umbrella limits.
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