Commercial Umbrella Insurance

Protect your business & Yourself

Torian Insurance offers a variety of commercial umbrella insurance policies to provide you the extra coverage that your regular policies might not.

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Call (812) 424-5503 or fill out the form below to get started.

If Your Business Is Underinsured You Could Lose Everything In A Lawsuit

In some instances your standard business liability coverage isn’t enough in the case of a lawsuit. Commercial umbrella insurance, sometimes referred to as business umbrella insurance, provides an extra layer of protection for businesses. It kicks in when the limits on your other policies have been reached, and it can help cover the costs like:

  • Legal Fees
  • Judgments & Settlements
  • Medical Bills
  • Damages
  • Legal Feeds
  • Judgements & Settlements
  • Medical Bills
  • Damages

While no one likes to think about the possibility of being the victim of a lawsuit, it’s important to be prepared in case it does happen. 

Protect Your Business With Commercial Umbrella Insurance

Contact An Experienced Insurance Agency

Insurance can be complicated, but that's why we are here to help. With 100 years of experience in the insurance industry we can answer all of your questions.

Customize Your Policy Based On Your Needs

Based on your specific needs and business risks, Torian will help customize your commercial umbrella insurance policy.

Get Protected With The Best Coverage & Rest Easy

Your business assets shouldn't be at risk. Commercial umbrella insurance protects your business and assets so you can rest easy.

We pride ourselves in offering the best insurance coverage and services throughout Southern Indiana.

You can rest easy with Torian. As independent Insurance agents, we work for YOU, not the insurance companies! Our expert staff has your best interest at heart which means providing the best coverage.

Variety Of Insurance Policies

We offer a variety of policies to find the perfect one for YOU!

Peace Of Mind

You'll have peace of mind knowing that your business is protected in case of an emergency.

Trusted Partner

If something happens, our team will be there with you every step of the way.

Bundled Discounts

Bundle discounts save you time and money on all of your insurance needs.

Commercial Umbrella Insurance FAQs

Commercial umbrella insurance is a type of liability insurance that provides coverage above and beyond the limits of your other liability policies, such as your standard business liability policy. Commercial umbrella insurance can help protect your assets in the event that you are sued for damages that exceed the limits of your other policies.

Businesses with any type of exposure to liability risks should consider purchasing commercial umbrella insurance. This includes businesses that own property, have employees, or regularly interact with the public. Even businesses that are careful and have strong safety protocols in place can be sued for damages if someone is injured on their property or as a result of their products or services.

Commercial umbrella insurance provides coverage for everything that your business liability policy covers, just at a higher limit. This includes bodily injury, property damage, defamation, and advertising injuries. Umbrella policies can also provide coverage for certain types of environmental liabilities and employment-related claims.

The cost of commercial umbrella insurance will vary depending on the size and type of your business, the amount of coverage you need, and the level of risk you are comfortable with. However, umbrella policies are typically very affordable, especially when compared to the cost of defending against a lawsuit without insurance.

Commercial umbrella insurance kicks in when the limits of your other liability policies have been exhausted. For example, if you are sued for $500,000 and your business liability policy has a limit of $300,000, your commercial umbrella policy would pay the remaining $200,000.

You can purchase commercial umbrella insurance through most business insurers, such as your business auto or property insurer. You can also purchase standalone umbrella policies from some insurers. Be sure to shop around and find an experienced insurance agency who will take the time to get to know you and your individual needs.

We just love working with Torian! Everyone is so wonderful and helpful. We have had excellent guidance, explanations, and recommendations for all of our insurance needs. We completely trust Torian and never have to worry about a thing. Thank you!

Kimberly H.

I am confident Torian is looking out for my best interest. I don’t worry about when or if something will happen because I know I have the best coverage I can get and at the best cost. Thank you Torian for the great service you offer.

Debra H.

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