Coverage Overview
In today's litigious business environment, standard liability policies may not provide adequate protection for Connecticut businesses. Commercial umbrella insurance provides an additional layer of liability coverage that begins when the limits of your underlying policies are exhausted, helping to shield your business from catastrophic claims that could otherwise threaten its financial stability.
Coverage from $1 million to $25 million above your standard policy limits
Protection that extends across multiple primary policies, including general liability, auto, and employers liability
Coverage for certain claims that may be excluded by your primary policies
Defense costs covered in addition to your liability limits, preserving your coverage for settlements or judgments
What Our Commercial Umbrella Insurance Covers
We offer comprehensive commercial umbrella policies designed to provide the additional liability protection that Connecticut businesses need.
Extended Liability Protection
Provides coverage beyond the limits of your primary commercial liability policies, protecting your business assets from catastrophic claims.
Legal Defense Coverage
Covers attorney fees and legal costs for covered claims, even if a lawsuit is groundless—vital in Connecticut's complex litigation environment.
Drop-Down Coverage
Steps in to provide primary coverage for claims excluded by or exceeding the limits of underlying policies.
Broad Protected Entities
Coverage can extend to subsidiaries, newly acquired businesses, and additional insureds as required by contracts.
Worldwide Coverage Territory
Protects your Connecticut business from liability claims that occur worldwide, essential for businesses with global operations or travel.
Follow Form Coverage
Mirrors the coverage provided by your primary policies while extending the limits of protection for your business.
Connecticut Business Liability Considerations
Connecticut businesses face unique liability challenges that make umbrella coverage particularly important.
High Property Values
Connecticut's high property values, particularly in Fairfield County, mean property damage claims can quickly exceed standard liability limits, making umbrella coverage essential.
Contract Requirements
Many Connecticut businesses, especially contractors and vendors, face contractual requirements for higher liability limits that can only be satisfied with umbrella coverage.
Legal Environment
Connecticut's legal climate can result in higher settlements and judgments compared to national averages, increasing the importance of extended liability protection.