BUSINESS UMBRELLA INSURANCE:  This coverage is a supplement to the commercial general liability and business auto policies.  It provides added protection beyond the liability limits on your underlying policies.  It is not a required part of a business insurance package, but does give peace of mind to the owners and bankers concerning the operation of the business.

BENEFITS:  Business Umbrella coverage picks up where a commercial general liability and business auto policies end.  It increases the amount of coverage available.  Therefore, if the commercial general liability or the business auto policies fall short of the amount of actual loss, the business umbrella coverage will take care of the rest.

COST-EFFECTIVE:  The main benefit of purchasing a business umbrella policy, rather than opting for higher limits on your existing policies, it that the umbrella policy tends to be more cost-effective.  You can spend less on premium payments to enjoy significantly greater insurance protection.  In addition, you can expand your coverage limits on several policies through a single umbrella policy.  For example, instead of investing in higher limits on general liability and auto liability policies, you could invest in a single umbrella policy that offers extended coverage on both of them.