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Look Here For The Best Insurance



Protect Your Reputation

Insurance protects against employees misrepresenting your company

Plan For The Future

Protects your business against unforeseen risks

Lawsuit Protection

Vital protection in a litigious society

Prevent Financial Ruin

Survive business disaster with the right coverage

Get Peace of Mind

Insurance protects the little guy

Choose Small Business Liability for the Right Insurance at the Right Price

The question often arises, “How much insurance do I need?”

The answer depends on how much you have to lose.

To get straight to the point, insurance is something you must consider. As a business owner, you often have much to lose.  Among other things there’s your reputation, your financial stability and your livelihood.  Often you don’t think of the dangers  until you experience a large loss.

Commercial Umbrella Insurance could be just right for your needs. This coverage helps protect your business from financial loss. This kind of insurance is also known as Excess Liability Insurance.  Too difficult to choose? This is where our experienced consultants can help you.

There is so much to consider when running your own business.  Perhaps paying for insurance is not at the top of the list.  You work hard and you’d like to benefit from your hard work. You may feel safer with money in the bank. Perhaps all the stress is getting you down and all you need is a well-earned vacation. But, will this give you real peace of mind?

Small Business Liability recognize that this can be a difficult decision. We will help you determine the types of insurance you need.

“It will never happen to me!”   ARE YOU PREPARED IF IT EVER DOES?

Consider an everyday scenario. Typically a General Liability insurance policy provides coverage of $1,000,000 per occurrence. What if a claim judgment is awarded in the amount of $1,600,000?  Where will the extra $600,000 come from?  As the business owner, you would be on the hook for this.  Have you stopped to think what that would mean to your business?

There is good news.  You can be covered.  Do you have Commercial Auto, Workers’ Compensation and other liability policies?  Then a Commercial Umbrella policy can provide coverage above the limits of these policies.

A Commercial Umbrella insurance policy is there for your peace of mind. It kicks in when the underlying policy is depleted. A minimal expense as this could benefit you in many ways, and therefore  justify the cost.

A Commercial Umbrella policy will provide your small business opportunities to grow. Because some big budget projects require higher insurance limits, Commercial Umbrella insurance puts you in the right position to bid. Bigger projects could mean bigger profits.  Why leave these contracts for the bigger companies, when you can access them with a Commercial Umbrella policy?

What Commercial Umbrella Insurance Limit Do You Need?

A $1,000,000 Excess Liability Policy is Affordable.

The cost depends on the number of liability policies you schedule. Of course, again, it depends on how much you have to lose, and what your customers require.

The Commercial Umbrella can Extend Liability Coverage

Get coverage above the following types of insurance: • Commercial General Liability • Commercial Auto Liability • Employers Liability

Commercial Umbrella Insurance Reduces Risk

Although large judgments are not as common, they can be financially ruinous for your business. You should consider purchasing a Commercial Umbrella policy: for these reasons: • Protection from larger claims • Protection from potential financial ruin • Reasonable Rates • Helps you grow your business
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We’ll Help You Protect Your Small Business!

Commercial Umbrella Insurance is right for these businesses:

  • Ones that have assets that they wish to protect in the event of a lawsuit.
  • Companies that have high-risk exposures, such as high net-worth clients, or where employee injuries are more likely.
  • Retail storefront businesses that are open to the public.
  • Businesses that require a lot of driving. Auto accidents are a common source of liability claims.

Ask Now!

First things first. At Small Business Liability, we assess your insurance coverage needs before making any recommendations. We provide Commercial Umbrella Insurance that suits you best. Contact one of our representatives today for the small business owners owners insurance.

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