Commercial Umbrella Insurance

For Individuals and Families in TX, CA, OK, AR, TN and AZ
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When Your Primary Coverage Isn’t Enough, Umbrella Steps In

Even with solid insurance, some claims can exceed your policy limits—especially in today’s litigious world. Commercial Umbrella Insurance from Affluence Insurance Services provides extra protection when your general liability, auto liability, or other core policies reach their cap. It’s an affordable way to guard your business against financial catastrophe.

What's Covered

Umbrella insurance extends the limits of your existing liability policies:

  • Excess Liability

    Provides additional coverage beyond the limits of your general, commercial auto, or employer’s liability policies.

  • Legal Defense

    Covers legal fees and court costs when a claim exceeds your underlying policy limits.

  • Multi-Policy Support

    Can apply to several policies at once, offering broad protection across your risk portfolio.

Insure with Affluence

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Essential for High-Risk Industries

Businesses in construction, hospitality, and healthcare benefit from higher coverage thresholds.

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Protection Against the Unthinkable

Large injury settlements or lawsuits can bankrupt a business without umbrella support.

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Affordable Peace of Mind

Offers millions in added protection for a relatively low premium.

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Enhances Your Liability Strategy

Complements your existing policies and prepares your business for worst-case scenarios.

Frequently Asked Questions

  • When does umbrella coverage kick in?

    Only after your primary liability limits have been exhausted. It acts as an extension of existing coverage, not a standalone policy.

  • Does it cover everything my base policies do?

    Yes, but only what’s included in the underlying policies. It won’t extend coverage to exclusions not listed in your primary policies.

  • Is umbrella insurance just for big companies?

    Not at all. Any business that faces public exposure, client traffic, or contractual risk can benefit from this added layer of protection.

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Get a Quote

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Don’t Let One Claim Undermine Your Hard Work

Add strength and flexibility to your coverage with Commercial Umbrella Insurance from Affluence. Let’s build a bigger safety net—together.