1701 Gateway Dr. Ste. 431
    Richardson, TX 75080
    972-480-9878
   
With umbrella insurance you have an extra layer of protection for your investment. Here are some features of the commercial umbrella insurance but not applied for every insurance company. Please talk to your agent to make sure the detail.
Unlimited Defense Costs

Umbrella insurance covers defense costs in addition to the limit for liability coverage, and cover defense costs for losses which not covered by your primary policies without deductible.

A Broadened Definition of Who's Insured

The definition of who's insured under your umbrella insurance policy includes all officers, employees, directors, stockholders, and all additional insured entities included on your underlying policies. It also includes anyone as your real estate manager.

Extended Coverage for Newly Acquired Organizations

If you purchase or form a new entity, it will extend coverage to that entity. The term of extended coverage is different among insurance companies. Check to your insurance agent about more details.

Multiple Limits of Liability

In addition to the umbrella insurance policy limit, a separate limit of liability applies to your products, completed operations, employees' occupational disease, and each auto accident.

Worldwide Coverage

Umbrella insurance policy provides worldwide coverage for claims made in foreign countries.

Coverage for Mental Injury Allegations

Some Umbrella policy responds to allegations of bodily injury involving both physical bodily injury and mental injury. Some may not respond to mental injury allegations. Check with your insurance agent.