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As an employer, you are at risk of experiencing losses that are greater than what your current liability policies will cover. A commercial umbrella policy will lower your chances of being involved in a claim that will significantly impact your business.

Commercial Umbrella Insurance in PA

Commercial umbrella insurance provides an additional layer of liability protection for your business in the event of a loss that exceeds the limits of policies you have in place.

Commercial umbrella insurance serves to provide an additional layer of liability protection for your business in the event of a loss that exceeds the limits of your current General Liability, Auto Liability, Workers Compensation, and other policies. If you have a $2 million limit on your general liability policy and the costs of a claim end up adding up to $2.7 million, your commercial umbrella policy will step in to make up the $700k difference. 

It’s important to note that a commercial umbrella insurance policy cannot be purchased on its own; you need to already have a liability policy such as general liability or commercial auto before trying to purchase umbrella coverage. Every business should have at least a general liability policy, so this should not be an issue.

You can purchase a commercial umbrella policy with $1 million of coverage for about $1,000 in premium per year depending on the size, location, and nature of your business. It’s a small price to pay for the peace of mind of knowing that your business can still thrive even after a large claim!


There are many situations in which a commercial umbrella policy could come in handy and save you from paying a huge sum of money in the event of a claim or lawsuit. Below are a couple of examples: 

  • There’s a rainstorm over the weekend which leads to a leak in the ceiling at your place of business. You call maintenance in to fix the problem, but before they get there, a customer slips and falls on your floor. Their medical expenses surpass the limits you have in place with your general liability policy, so you’d be forced to pay out of pocket without a commercial umbrella policy.
  • You are in a car accident and the occupants of the other car have severe injuries that exceed the coverage on your commercial auto policy. Your commercial umbrella policy would kick in for the additional amount of the loss.


We are here to answer any questions you have about Commercial Umbrella Insurance in Media, PA. Give Risk Averse a call at (484) 657-0746 to protect your business and its assets!

Get a PA Commercial Umbrella Quote Here

Click below to a quote on Commercial Umbrella Insurance or call Risk Averse Insurance in Media PA at 610-335-1139.