Commercial Umbrella Liability Insurance in Georgia

Commercial Umbrella Insurance for Businesses

Commercial Umbrella Insurance provides broader liability protection needed to cover a claim that is greater than the limits of existing underlying policies. An umbrella policy has higher limits to provide enough coverage for losses that General Liability Insurance, Employer’s Liability Insurance, and Commercial Auto Policies do not cover.


This additional coverage can aid with the costs of legal fees, medical expenses, damage to other people's property and judgements and settlements. A liability claim can cause a business to go bankrupt if the proper underlying limits are not in place.

Request a Quote

What is Excess Lability Coverage?

Excess liability insurance offers an added layer of financial protection for your business by extending coverage beyond the maximum limits of primary insurance policies. It becomes crucial if significant claims exhaust your primary coverage, ensuring your business isn't burdened by unexpected costs. An excess liability policy enhances risk management, provides financial security when facing lawsuits and legal expenses, and secures your business's long-term protection for your business against a range of potential risks.

View Our Other Business Insurance Offerings

Three Reasons To Choose BIS

Hands-On Team

Personal Insights, Cutting-Edge Technology, and Professional Coverage Expertise

We Shop, You Save

Knowledgeable in All the Markets, Representing All Major Carriers

Excellent Customer Service

Quick Response Times, Five-Star Rated, BBB Credited

Request a Free Quote Today

Allow BIS to aggressively shop the market to get you the most competitive rates.

Our Carriers

We work with the top-rated insurance carriers in Georgia, including Selective, Hanover, Travelers, Hartford, Nationwide, Chubb, and Liberty Mutual.

Where We Work

BIS Benefits works with companies all around the state of Georgia, including the following cities:

Get Started

A Broker You Can Trust

At BIS Benefits, we are proud to be recognized as one of Georgia's top employee benefits brokers. Our commitment to excellence over the years has allowed us to serve our clients diligently. In addition to employee benefits, we offer an extensive range of commercial insurance products that are tailored to suit your company's specific requirements. Our unwavering dedication is focused on effectively meeting all your insurance needs.


Explore the advantages of collaborating with a Georgia-based insurance broker with BIS Benefits. Reach out our dedicated team today and let us assist you in making well-informed decisions for your business.

Get in Touch

FAQs

  • What does an umbrella policy not cover?

    Umbrella insurance policies are meant to extend coverage limits and protect businesses from third-party claims that go beyond their primary policies. This coverage does not include intentional or criminal acts, bodily injury to employees, and property damage to company-owned buildings.

  • What types of incidents require umbrella coverage?

    Umbrella insurance can protect a business's financial security when they exceed their liability limits in situations like a class action product lawsuit, construction defect claim, and damages from a car accident.

  • What is a nuclear verdict?

    A "nuclear verdict" refers to jury awards that are higher than predicted amounts in liability lawsuits, often exceeding $10 million. These verdicts can continue to grow larger and larger over time, making extra liability coverage increasingly important for business owners.

Interested in our benefits?

Contact Us for a Free Quote

Business Insurance, Employee Benefits, and Auto Insurance Policies? We're here to help! Our friendly, knowledgeable brokers are ready to answer your questions. Contact us today to receive a custom quote for your exact requirements.

Request a Quote - Contact Form