Umbrella insurance

Smarter Umbrella Insurance

Save up to 35% on your umbrella business insurance

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Your existing insurance coverage, such as your commercial general liability insurance, your property insurance, your risk insurance and so on, are all there to protect your business, and day-to-day may be all the coverage you need. But for some businesses, or even some projects, a business will need to carry significantly more insurance than their standard policy allows. In those cases, umbrella insurance is specially designed to protect your business and provide it with a bigger safety net.

What makes Foxquilt different?

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Tailored To Your Business

We offer exclusive policies customized to fit your business needs and goals as a business owner.

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When technology and human expertise combine, you get flexible and helpful insurance options - whenever, wherever!

Only Pay For What You Need

Our quotes let you save up to 35% on your premiums and trim down your policy to only the coverage details that will benefit your business.

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See why other business owners, just like you, love Foxquilt's smarter coverage, 5-star service and insurance built for them.

Purchasing my small business insurance policy through Foxquilt was a BREEZE! My documents were sent to my email within minutes of my purchase. Thank you for making insurance easy for me!read more


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Save up to 35% on smarter business insurance for Umbrella Insurance

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What is Umbrella Insurance for Businesses?

Umbrella insurance acts as a broad level of protection to safeguard a business and its assets. While it may be unlikely that a business is faced with a legal claim beyond their coverage limits, some claims may extend beyond that capacity. Commercial umbrella insurance is often confused with excess liability insurance, but there are key differences between the two. Excess liability insurance only extends one portion of your insurance, such as your property insurance. Umbrella business insurance is an overarching level of coverage that extends to a number of your policies simultaneously. If excess coverage is a slice, think of umbrella coverage as the whole pie.

Who Needs Umbrella Business Insurance?

  • All businesses should consider this coverage
  • It is normally recommended if your business needs more CGL limits than your main policy will cover

Examples of Umbrella Insurance Claims

Multiple Liabilities

Car Accident

Department Store with large inventory

Multiple Liabilities at an Amusement Park

A small coffee shop or restaurant may only need standard commercial general liability coverage. However, a venue such as an amusement park, which feeds and entertains tens of thousands of children each year, could encounter any number of liabilities (including several all at once) and will need umbrella coverage well above and beyond a standard package.

Frequently Asked Questions

Why Should You Get Umbrella Insurance Coverage?

What Can Affect the Price of Umbrella Business Insurance?

When Should Businesses Purchase Umbrella Insurance?

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