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Commercial Umbrella Insurance

No one is surprised anymore by the multi-million-dollar settlements and jury awards in liability cases today. An aggressive plaintiff’s bar, litigation funding, and anti-corporate sentiment have fueled an environment where tens and even hundreds of million-dollar awards are no longer exceptions. One costly lawsuit could bankrupt a company or significantly impact its growth, profits, and reputation.

The right insurance program is critical in mitigating your risk in an accident or injury resulting in a liability lawsuit. This includes having adequate liability limits under your primary, underlying policies, which only can go so far. It also includes reviewing your risk tolerance to determine the additional coverage you can obtain with a Commercial Umbrella policy.


Extend Your Primary Liability Limits

The staff at Daniels Insurance Agency will review your operation and exposures as well as your primary Liability policies to determine if the amounts on these policies adequately reflect your risk profile. Then we will help assess the impact on your business should a catastrophic loss wherein you are found legally liable and make the appropriate recommendations for Commercial Umbrella insurance.

With a Commercial Umbrella policy, you are covered if the limits under your primary Liability policies are exhausted. This can happen rather quickly based on today’s awards, settlements, and the cost of legal fees. Commercial Umbrella insurance extends your limits, protecting your assets and future earnings.

The amount of Umbrella insurance suitable for you depends on various factors. Your type of business, number of employees, and amount of assets are all critical considerations. Let us help determine what is right for your business.


Daniels Insurance Agency: Your Trusted Risk Advisor

Founded in 1937, Daniels Insurance Agency has three locations throughout New Mexico and is licensed in every state to serve not only our local region but also clients with a national footprint. As an Assurex Global partner, we are among the world’s most prominent independent agents and brokers. We’re also a member of the Independent Agents & Brokers of America, a national alliance of business owners and their employees who offer a wide range of insurance and financial services products.

Our staff of 42 employees throughout our three locations is ready to provide you with the white-glove service you should expect from your insurance consultant. In fact, you’ll always reach someone at Daniels Insurance Agency. You can depend on that.

Give us a call at 800-530 8885 to find out how we can work together.

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