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Do you need umbrella insurance? Standard liability coverage may not help you weather any storms

You wouldn’t head out into a rainstorm without an umbrella. The same applies to protecting your assets in case you are found liable for an incident.

Commercial umbrella coverage gives your business extra protection to keep your business covered in the event your standard liability insurance isn’t enough.

For example:

  • A customer trips and falls in your retail space.
  • Your product causes injuries requiring hospitalization.
  • An employee sues, and you are found negligent.

Is a personal umbrella policy just as important? It may be — accidents happen. A personal umbrella policy provides coverage over and above your standard homeowners and auto insurance policies.

Property damage, certain lawsuits and liability situations could cause a devastating outcome to your financial situation.

Make sure you speak to your agent about whether an umbrella policy is the right move for you.