Commercial Umbrella Insurance

Back up your business with broader protection.

Even with strong liability policies in place, a major claim or lawsuit can exceed your coverage limits—and put your business at risk. Commercial umbrella insurance fills that gap, adding an extra layer of financial protection when your base policies reach their max.

At The Lapeer Agency, we help Michigan business owners assess their risk and choose the right umbrella coverage. Whether you’re in construction, retail, hospitality, or professional services, we make it easy to expand your safety net—without overpaying for coverage you don’t need.

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What This Insurance Can Cover

Liability protection that goes the extra mile.

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Excess Liability Coverage

Extends your general liability, auto, or employer’s liability policies when their limits are reached.

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Legal Defense Support

Covers court costs, legal fees, and settlements for large-scale liability claims.

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Employee Injury Extension

Kicks in when a severe workplace injury exceeds your workers’ comp employer liability limits.

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Property or Bodily Damage

Helps pay for large claims from property damage or personal injury caused by your business operations.

Frequently Asked Questions

Helping Michigan business owners protect what they’ve built.

  • What types of businesses need umbrella coverage?

    Any business with assets, employees, or high public exposure can benefit—especially those in construction, retail, real estate, or transportation.

  • How much extra coverage can I add?

    Umbrella policies typically start at $1 million, but higher limits are available based on your business needs.

  • Does umbrella insurance cover everything?

    Not quite. It doesn’t replace base coverage or apply to professional liability or cyber incidents. We’ll help you identify any gaps.

  • Is this coverage expensive?

    It’s one of the most cost-effective ways to boost liability protection. Premiums are usually low relative to the coverage offered.