Commercial Umbrella Insurance in Zelienople and Jeannette, PA

Extra Protection that Keeps You in Business.

Umbrella insurance, also known as excess liability insurance, can help protect you or your business from gaps or limits in your existing coverage. Commercial umbrella and personal umbrella coverage are available. To determine which type of coverage you need, reach out to a Jack L. Bonus Inc. Insurance agent.  


What Is Personal Umbrella Insurance? 


A personal umbrella insurance policy is a supplement to your existing liability coverage, such as your homeowners, renters or auto insurance policies. Liability coverage helps protect you and other covered family members against claims of third-party bodily injury and property damage. Most policies limit the amount of liability coverage per claim, which is where personal umbrella insurance comes into play.  


If you have a liability claim brought against you that exceeds your policy limit, your umbrella insurance policy may kick in to cover the remaining costs. Without personal umbrella insurance, you would be responsible for paying for expenses that exceed the policy’s limit. Additionally, umbrella insurance may provide coverage in areas where your other liability policies do not, such as personal injury claims that involve libel or slander.  


What Is Commercial Umbrella Insurance?  


Commercial umbrella insurance is for businesses that want to extend the limits contained by some of their liability insurance policies. These policies typically include the following:  

• Commercial general liability
• Business auto
• Workers’ compensation
• Professional liability