A Commercial Umbrella policy provides additional liability coverage over and above your underlying Commercial policies. For example, you own a restaurant and have a $1,000,000 General Liability policy and a $1,000,000 Commercial Umbrella policy. A restaurant patron slips and falls walking into your establishment, and consequently sues you for his injury. The suit is for $2,000,000. Your underlying General Liability policy would first be exhausted for payment, after which your Commercial Umbrella policy would pay the rest, subject to the deductible. The Commercial Umbrella policy can also provide additional liability coverage over your Commercial Auto policy.
Having this added protection can make the difference between “business running as normal” and closing the doors permanently.