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Safeguard Your Business with Commercial Umbrella Coverage

Ensuring Protection for Your North Carolina Business

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Marlow Campbell Insurance Group/ commercial umbrella insurance

Commercial Umbrella Insurance Provided By Our Agency

In today's litigious environment, it's becoming increasingly common to hear about massive jury awards leading to the financial downfall of businesses. Most business owners never anticipate facing a loss that surpasses the limits of their liability insurance coverage. However, these catastrophic events are more frequent than ever before.

A significant loss could jeopardize the success and future of your tirelessly built business. At Marlow Campbell Insurance Group in Apex, we are dedicated to helping you safeguard your current assets by offering additional coverage where it's needed most. We can assist in creating a customized insurance plan tailored to your business's requirements.

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Bodily injury
Commercial auto
Advertising injury
Contractual liability
Lawsuits

Bodily injury coverage

Risk Factors

An elderly customer is injured after tripping on frayed carpeting while visiting your business. Her medical costs are substantial — and exceed the limits of your liability policy.

Solution

An umbrella policy can help when the costs of a claim surpass the limit of your underlying liability policy.

Commercial auto coverage

Risk Factors

Your employee causes a multi-vehicle accident while driving a company car to a business appointment. The combined medical and repair costs are higher than the limits of your commercial auto policy.

Solution

An umbrella policy can help with liabilities that exceed the limits of your underlying commercial auto policy.

Personal/Advertising Injury coverage

Risk Factors

When a reputation has been damaged, umbrella insurance can help decrease the legal blow.

Solution

It can cover personal injuries like Libel & Slander, Malicious prosecution, wrongful eviction, and advertising injuries like copyright infringement or misappropriation of advertising ideas.

Contractual Liability coverage

Risk Factors

The companies frequently assume a landlord’s tort liability when renting office space.

Solution

This aspect only regards “insured contracts,” such as leases and easements. Commercial umbrella insurance can help you cover legal expenses arising when you accept the tort liability of another responsible party.

Lawsuits coverage

Risk Factors

Legal and defense fees can skyrocket in a heartbeat, and you may need to pay them from your pockets.

Solution

Umbrella insurance can help cover these particular expenses when you are in the middle of a lawsuit.

Vulnerability of All Businesses

Regardless of the size or efficiency of your company, every business is at risk of a devastating claim resulting from an unforeseen incident. For instance, imagine you own a retail store or apartment building in North Carolina, and a customer trips over the carpet, suffering a severe head injury.

This could potentially result in liability claims amounting to millions of dollars in medical and other expenses. Would your existing business liability insurance cover the entire amount? Could your business savings or revenue cover any shortfall?

If not, Commercial Umbrella Coverage is essential. This coverage extends beyond the limits of your standard business liability insurance, providing up to $10 million in additional funds to handle such situations.

Protect Your Future Earnings

Small business owners often assume they are safe if they don't have substantial assets. However, a court can seize your current business assets and even assign future earnings to fulfill a judgment against you. Investing in umbrella coverage is a prudent decision, regardless of the size of your business.

Maximize Asset Protection

Choosing how to allocate your hard-earned money is crucial. However, an unexpected major loss can take this choice away from you. Commercial Umbrella Coverage offers a cost-effective way to protect your business assets.

Do you know if your coverage adequately protects against major catastrophic events? At Marlow Campbell Insurance Group, we can help you assess and enhance your coverage.

Get Started on Your Quote

To begin your quote, visit our office or give us a call. At Marlow Campbell Insurance Group in Apex, we strive to make the process straightforward and hassle-free. Let us help you secure your business's future today.

Already have Commercial Umbrella Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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