Commercial Umbrella Insurance 

Extend Your Business Liability Protection with Commercial Umbrella Insurance

Extra Coverage for Unexpected Lawsuits & Claims

No business owner expects a major lawsuit, but even a single high-cost claim can threaten the financial stability of your company. A standard business liability policy offers valuable protection, but what happens when a claim exceeds your coverage limits?


That’s where commercial umbrella insurance comes in. This extra layer of protection kicks in when your general liability, commercial auto, or other business policies reach their coverage limits, ensuring that your business assets remain protected.


At A.G. Beck Insurance, we provide customized commercial umbrella insurance policies that offer extended liability protection at competitive rates. As an independent agency, we compare multiple insurers to find you the best coverage at the lowest price.



Serving businesses in Silverdale, WA, and across Washington.

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What Does Commercial Umbrella Insurance Cover?

Commercial umbrella insurance acts as a financial safety net, providing coverage above and beyond your existing business insurance policies.

Excess General Liability Protection

  • Covers costs if a lawsuit or settlement exceeds your general liability policy limits.
  • Protects against customer injury claims, property damage lawsuits, and reputational harm.

Additional Coverage for Commercial Auto Insurance

  • Pays for damages and medical expenses beyond your standard commercial auto insurance.
  • Essential for businesses with delivery vehicles, company cars, or fleet operations.

Expanded Employer Liability Coverage

  • Protects against employment-related lawsuits, including discrimination, wrongful termination, and harassment claims.
  • Helps cover legal fees, settlements, and court costs.

Excess Coverage for Professional & Product Liability

  • Protects businesses from high-cost product defect claims and professional negligence lawsuits.
  • Covers legal expenses if a customer sues over a faulty product or service mistake.

Legal Defense & Settlement Costs

  • Helps pay for attorney fees, expert witness costs, and court expenses in the event of a lawsuit.
  • Ensures your business can financially withstand an unexpected legal battle.

Not sure if your business needs commercial umbrella insurance? Our agents can assess your risk and recommend the best coverage.

Who Needs Commercial Umbrella Insurance? 

Many businesses assume their general liability policy is enough—but some lawsuits can cost far more than standard coverage limits allow.



Commercial Umbrella Insurance is Essential for:

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Contractors & Construction Companies

High risk of workplace injuries and property damage claims.

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Retail Businesses & Restaurants

Protection against customer injury lawsuits and food safety claims.

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Professional Service Providers

Lawyers, consultants, accountants, and real estate agents facing liability risks.

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Manufacturers & Distributors

High-cost product liability claims and supply chain risks.

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Transportation & Delivery Companies

Additional protection for fleet vehicles and commercial drivers.

Protect your business from major financial losses—call (360) 692-5998 for a free consultation today!

Why Choose A.G. Beck Insurance for Landlord Protection?

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Affordable, Customizable Coverage

We match your business with the best excess liability protection for your industry.

Independent & Unbiased

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We compare multiple insurance providers to get you the best protection at the best price.

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Quick Claims Processing

If a major claim arises, we help navigate the claims process for a fast resolution.

Risk Management Expertise

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We assess your industry risks and recommend proper coverage limits to fully protect your assets.

Need additional business liability protection? Call (360) 692-5998 today!

Commercial Umbrella Insurance Discounts & Cost Savings

Looking for affordable excess liability coverage? Your business may qualify for these money-saving options:

  • Multi-Policy Discount – Save when you bundle commercial umbrella insurance with general liability or business auto insurance.
  • Low-Claim History Discount – Lower premiums for businesses with no recent insurance claims.
  • Industry-Specific Discounts – Reduced rates for businesses with strong safety and risk management policies.
  • Higher Deductible Savings – Opt for a higher deductible to lower your premium costs.

Still have questions? Call (360) 692-5998 for expert guidance!

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Frequently Asked Questions (FAQ) About Commercial Umbrella Insurance

  • Does my business really need commercial umbrella insurance?

    If your business is at risk for lawsuits, customer injuries, or high-cost claims, a commercial umbrella policy adds essential protection beyond your existing coverage.

  • How much commercial umbrella insurance do I need?

    Most businesses choose $1 million to $5 million in excess liability coverage, depending on their risk exposure. We can help determine the right amount for your industry.

  • What types of claims does umbrella insurance NOT cover?

    Commercial umbrella insurance does not cover:

    • Employee injuries (Covered under workers’ compensation.)
    • Property damage to your own business assets (Covered under commercial property insurance.)
    • Intentional or criminal acts by your business.

  • Can I buy umbrella insurance if I don’t have a general liability policy?

    No—you must have an existing business liability policy before purchasing commercial umbrella insurance. It acts as excess coverage when your primary policy reaches its limits.

  • How much does commercial umbrella insurance cost?

    Costs depend on your industry, policy limits, and business size. Many businesses can secure $1 million in coverage for a few hundred dollars per year.

Still have questions? Call (360) 692-5998 for expert guidance!

Get a Free Commercial Umbrella Insurance Quote Today!

Protect Your Business from Unexpected Lawsuits & High-Cost Claims

  • Compare commercial umbrella insurance quotes from top providers.
  • Customizable coverage tailored to your industry risks.
  • Expert guidance from local, trusted agents.

At A.G. Beck Insurance, we help business owners, contractors, and professionals secure affordable excess liability coverage to ensure full financial protection.

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Call us at (360) 692-5998 to speak with a commercial umbrella insurance expert.

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Request a free, no-obligation business liability quote online.

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Get a Free Commercial Umbrella Insurance Quote →

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Secure your business against high-cost claims—get umbrella coverage today!