Commercial Umbrella Coverages
Coverages
Large Limits of Liability
Umbrella protection is available with coverage limits up to $5,000,000 (higher limits may be available, but are subject to underwriting approval).
Legal Defense
Court cases can quickly cost large amounts of money. An umbrella policy can protect your business from incurring these expenses.
Personal Injury Protection
Provides protection against claims or suits brought against you, such as: libel, slander, false arrest, mental anguish, defamation of character, invasion of privacy, false imprisonment and wrongful eviction.
Worldwide Coverage
Provides coverage for losses that occur outside of the country. For example, if you rent a vehicle in another country and get into an accident, you may not have proper coverage unless you have a commercial umbrella policy.
Blanket Contractual Liability
Protects your business if the underlying liability policy does not cover certain contracts, or has specific wording that limits coverage.
Liquor Law Liability
Protects businesses such as restaurants, grocery stores and liquor stores that are in the business of selling liquor products.
Care, Custody and Control
Provides protection for property of others in your care, custody or control for short periods of time.
How do I get a quote?
Auto-Owners works solely through independent agents to ensure you’re getting the right protection from a skilled professional.
This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.