Account for the Situations Where Liability Claims Exceed Your Commercial or Professional Liability Limits

There are countless situations where liability claims can exceed your commercial or professional liability insurance coverage limits. A commercial liability insurance agent at Valeri Agency, Inc. can help you identify and control those exposures and review coverage options from several top-rated insurance companies. Contact us today to get the right protection for your business.

In the context of business insurance, a Commercial Umbrella policy is designed to supplement existing insurance policies. This means Commercial Umbrella Insurance kicks in when the cost of a lawsuit exceeds the limits of certain liability insurance policies you already have.

To best benefit from having Commercial Umbrella Insurance, it’s good to know when it does and doesn’t help. As a rule, Commercial Umbrella Insurance can only supplement coverage for these policies: general liability insurance, auto liability insurance and employer’s liability insurance.

A commercial umbrella policy serves 2 distinct purposes:

  • It increases the liability limit that your company already has in existing, or underlying, liability policies. For instance, if your general liability policy offers $1 million coverage per occurrence or $2 million total, you could get a $2 million umbrella policy and increase those limits to $3 million per occurrence and $4 million total.

  • It broadens coverage for things that your underlying policies may not cover. For instance, if your auto liability policy covers accidents that might occur in a specific area, an umbrella policy could expand the coverage territory.

Contact the Valeri Agency today to find out which coverage is best for you!

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From Our Clients


In 2008, I started working with Valeri Insurance because of their great rates.  I’ve continued to work with them because I’ve received great service and no issues on paying out a couple of major claims.  I would recommend them to anyone new to Kenosha because of their great personal service.

-Barry Moreland, Southport Marina

Because you care about your future. Insurance for your business.