Umbrella policies add liability coverage above your main policies for large claims.
In this article
What it adds
Extra liability limits.
Contracts
Commercial clients require it.
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Vehicles
Fleet risks.
Cost
Often reasonable for the coverage.
Review
With your agent.
Common mistakes
Underinsured, missing contract requirements and no review.
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Frequently asked questions
When do service companies need umbrella insurance?
When contracts require higher limits or when the risk of a large claim is significant.