Commercial Umbrella

Your local independent agents are ready to help you find the coverage that suits you best.

While standard policies will cover your business in most situations, one unforeseen catastrophic event not covered by your policy could be detrimental to your company. An Auto-Owners Commercial Umbrella policy is designed to protect your assets by providing coverage above and beyond the limits of your other policies. It also provides protection from accidents that may not be covered by your existing insurance policies.

Your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the protection you deserve for a price you can afford. Don’t trust just anyone to protect your business - find your local independent agent representing Auto-Owners today!


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.

Ways to Save

Get the security and peace of mind you deserve with affordable commercial umbrella insurance.

Multi-Policy Discount

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Group Discount

This discount may apply when your business is affiliated with certain organizations, such as chambers of commerce, credit unions and trade associations.

Underlying Affiliate Auto Discount

When your commercial auto policy is written with Auto-Owners, you may qualify for this discount.

No Auto Discount

You may qualify for this discount, if you do not own an automobile.

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent