Commercial Umbrella Insurance in Redding, CA and Corning, CA
Extra Protection that Keeps You in Business.
If you’re a business owner, you know that having the appropriate business insurance is essential to keeping your business financially secure. A policy portfolio with the right coverage, terms and limits can be the investment that helps you keep your company afloat following any number of harmful accidents.
However, standard insurance coverage only goes so far. Sometimes, you will need an extra layer of protection for certain losses, particularly when it comes to liability lawsuits, which can often be unpredictable. You can get this benefit by buying commercial umbrella insurance.
With the help of Berry Curtis Insurance, you can get a high-quality commercial umbrella liability policy that will offer you coverage for high claims and exceptional losses.
What Does Commercial Umbrella Insurance Cover?
Liability insurance policies are designed to help you repay others if your negligence harms them. So, if a client gets hurt in your business, they might sue you for their injury costs, leaving you with the legal responsibility to repay them. This is where liability insurance can help.
However, you never know if (or when) a client’s claim might exceed the limit that a standard liability policy will pay. If this is the case, you could turn to your commercial umbrella insurance for further help. Your plan might pay for excess liability costs arising from:
Accidental falls on your property
A carbon monoxide leak in your building caused by your negligence
Allegations of libel, slander or invasion of privacy
One of your products causing injury or illness
A fire in your building that spreads to another property that resulted from your negligence
Violations of employment practices laws
Accidents involving business vehicles that harm others
After a standard liability policy pays up to its limits, you can file against your umbrella plan for outstanding additional costs. In some cases, you can even file against your umbrella plan alone if your standard policy does not cover a certain loss.
How Much Umbrella Coverage is Enough?
Even with high standard liability coverage limits, you can’t be promised complete coverage for your losses. With an umbrella policy, you can receive substantially higher benefits that help you in worst-case scenarios.
Umbrella insurance is very versatile, and a single policy can apply to multiple commercial liability plans in your possession. That’s why at Berry Curtis Insurance, our insurance experts will work to understand the individual needs of your business and find protection that keeps you and your operations secure.
These plans are affordable, effective and easy to get. So, don’t hesitate to protect your business personally and financially with a commercial umbrella policy from Berry Curtis Insurance. We provide locals of Corning and Redding, CA with the quality benefits they deserve at affordable prices.