Extra Protection for the Unexpected

Commercial Umbrella Insurance That Extends Your Coverage

Sometimes, even the best business insurance policies aren’t enough. When legal fees, settlements, or claims exceed your existing coverage limits, commercial umbrella insurance steps in. RG Wright Insurance offers affordable umbrella policies to give your business an extra layer of financial protection—so one unexpected event doesn’t threaten everything you’ve built.
Think Bigger About Risk

Expanded Coverage Beyond Your Base Policies

A commercial umbrella policy supplements your existing liability insurance by kicking in when those limits are maxed out. It’s an ideal safeguard for growing businesses with increasing exposure, larger contracts, or customer-facing operations.

Why You Need It

Accidents can get expensive.

  • Legal Defense Costs – Helps cover attorney fees when lawsuits go long.
  • Larger Settlements – Offers backup when judgments exceed your policy limits.
  • High-Risk Scenarios – Critical for businesses in high-liability industries.

What It Covers

Extends your existing policies.

  • General Liability – Adds coverage beyond your standard liability limits.
  • Commercial Auto – Fills in when an auto claim surpasses your base policy.
  • Employer Liability – Helps protect against employee-related claims not covered by workers’ comp.

Who It’s For

Smart protection for many industries.

  • Contractors & Trades – Risk of injury or property damage.
  • Retail & Restaurants – High foot traffic and customer exposure.
  • Professional Services – Protection from costly legal claims.
A rv is parked in a grassy field surrounded by trees.

Affordable Peace of Mind

Umbrella insurance provides a lot of extra protection for a relatively small investment. We’ll help you assess your risk and recommend the right amount of additional coverage—so you’re never caught off guard.

Your Questions, Answered

Commercial Umbrella Insurance FAQs

Here’s what business owners often ask about umbrella policies:

  • Do I need How does umbrella insurance work? property insurance if I rent my space?

    It supplements your existing policies by kicking in when you’ve reached the coverage limit.

  • Do I need to have certain policies first?

    Yes—you’ll need base liability policies in place for umbrella insurance to apply.

  • Is this only for big businesses?

    Not at all. Many small businesses benefit from the added security umbrella insurance offers.

Let’s Add a Layer of Protection to Your Policy

Reach out today to explore how commercial umbrella insurance can strengthen your coverage and protect your future.