When looking into insuring a restaurant, most owners are concerned with obtaining
Property and Liability coverage. Broaden your liability limits by purchasing an
Umbrella policy, and you will decrease your risk of out of pocket payments after
a loss. Let us provide you with excess liability coverage.
UMBRELLA/EXCESS LIABILITY: In some cases, your primary liability
limits are not enough to protect you. An umbrella or excess liability policy will
provide additional limit over and above the underlying liability insurance. For
example, if someone gets hurt and is suing for $2,000,000, an umbrella or excess
liability would provide the additional $1,000,000 that would be needed to satisfy
that judgment. If you didn't have the extra coverage - that $1,000,000 would be
the responsibility of the insured to come up with on their own. The difference between
an umbrella policy and an excess liability policy is an umbrella can go over other
policies (like a business auto) and an excess liability will only add additional
limits to your general liability.
Elevate your dining establishments' liability limits with Excess Liability in the
form of an Umbrella policy!
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