Should Small Businesses Get an Umbrella Policy?

Small Businesses and Commercial Umbrella Insurance

If you’re a business owner, you know that most things that come with running a company are not certain or smooth. While you may think that you have all the right insurance policies in place, many of your policies only cover a certain amount of damages. Even worse, there may be gaps in your insurance coverage. If an accident or incident were to occur, your company may end up paying incurring unexpected costs. Fortunately, commercial umbrella insurance in Reading, PA can help.

What is Umbrella Insurance?

Accidents happen. It is impossible to know exactly how much coverage you might need to handle issues. When the unexpected happens, umbrella insurance offers an additional level of financial security. It is designed to provide coverage which fills the gaps between existing policies. Essentially, it takes over when your current policies have been exhausted.

Do I Need Umbrella Insurance?

Although commercial umbrella insurance is not a requirement for businesses, it is well worth considering. There are some situations in which having this type of policy may be considered advantageous.

  • High-risk or high liability industry. Professionals who work in a high-risk environment or industry, such as the legal trade, may need umbrella insurance to protect against professional liability suits.
  • Expanding coverage limits. Businesses may find it more cost-effective and convenient to take out an umbrella policy instead of raising their coverage limits on each of their policies.
  • Gaps in coverage. For those businesses which are concerned about potential gaps in cover, umbrella insurance offers an additional layer or protection.

Still not sure on if you should secure umbrella insurance? Contact the team at Insurance Offices Ltd. in Reading to speak to a trusted advisor. We can help you protect your business from unexpected eventualities and financial hardship.



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