Commercial Umbrella Insurance

Strengthen Your Coverage with Our Commercial Umbrella Policies

At Louis J. Kirsch 3rd Insurance Agency, we understand that running a business comes with inherent risks. Our commercial umbrella insurance policies provide an extra layer of liability coverage, ensuring your business is protected against large claims that exceed your standard policy limits.

Get a quote.

Excess Liability Protection

Excess Liability Protection offers additional coverage above the limits of your existing business insurance policies. This is crucial for protecting your business assets in the event of a significant claim, preventing financial devastation.

Broad Coverage Scope

Broad Coverage Scope extends across multiple types of liability claims, including general liability, auto liability, and employer’s liability. This comprehensive protection ensures your business is safeguarded from a wide range of risks.

Crisis Management Support

Crisis Management Support includes services to help manage and mitigate the impact of a major claim or lawsuit. This coverage is important for protecting your business's reputation and ensuring a swift and effective response to any crisis.


Frequently Asked Questions
  • What is commercial umbrella insurance?

    Commercial umbrella insurance provides additional liability coverage above the limits of your existing business insurance policies, including general liability, auto liability, and employer’s liability insurance.

  • Why do I need commercial umbrella insurance?

    Commercial umbrella insurance is essential for protecting your business from large claims that exceed your standard policy limits. It helps ensure your business assets are protected from significant financial loss.

  • How much coverage does a commercial umbrella policy provide?

    Coverage limits for commercial umbrella policies typically start at $1 million and can go up to $10 million or more, depending on your business's needs and risk exposure.

  • Does commercial umbrella insurance cover all types of liability claims?

    Commercial umbrella insurance extends the coverage of your underlying liability policies, but it may not cover all types of claims. It's important to review your policy details and understand any exclusions.

  • Is commercial umbrella insurance expensive?

    The cost of commercial umbrella insurance varies based on factors such as the size of your business, industry, location, and coverage limits. However, it is generally affordable relative to the extensive protection it provides.

Your Partner in Business Protection


In the face of unexpected large claims, having an extra layer of protection is essential. At Louis J Kirsch 3rd Insurance Agency, our commercial umbrella insurance provides the additional coverage your business needs to thrive.


Contact us today to learn more about our commercial umbrella insurance options and to get a personalized quote.

Share by: