Umbrella Insurance

Cover all your liabilities

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Commercial Umbrella protects your business against catastrophic losses


Typically, a commercial umbrella liability policy is a part of a commercial auto policy, general liability policy, or commercial property insurance policy.

There are some situations, such as libel and slander, that a standard policy does not cover. An umbrella liability policy enables people to protect themselves against catastrophic lawsuits in such situations. Umbrella policies are designed to cover large, infrequent losses.


Commercial Umbrella Policy Provides Two Kinds of Coverage

  • Payments of liabilities in excess of the policy limits for an insured’s basic commercial general liability, or employers’ liability coverage
  • Liability for areas not covered in other liability policies



What is an Umbrella for?

To provide an additional layer of liability when your auto and home liability limits have been exhausted.  Umbrella policies normally start at $1 Million in coverage and can be as little as $150/year.


Do you have a referral bonus for referring new clients to your agency?

We do have a referral bonus program.  If you refer someone to our agency and we write their insurance, you receive a gift card, pen or other item.  You are also entered in our quarterly referral drawing to win a $50 gas card!


Who do I call when I have a claim to report? What if that claim is not during your business hours?

Call your agent at our office.  If you are calling after hours and have a claim emergency, you will be given an after-hours emergency claim phone number to call.


Does your policy come with an agent/customer service rep?

At abel insurance – your policy does!

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“Answered our questions clearly and made our claim for us, couldn’t ask for anything more!”

— Kim & Andrea S.

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