Additional limits
Discuss higher limits above qualifying underlying liability policies.
BUSINESS INSURANCE
Business Umbrella Insurance in Massachusetts
Large liability claims can exceed a business's primary policy limits. Cushman helps you explore additional liability protection and review how an umbrella or excess policy connects with your existing commercial insurance.
What to review
Policy alignment
Review scheduled policies and required underlying limits for general liability, auto or employers liability where applicable.
Your contracts
Consider client requirements and your operations, while reviewing differences between umbrella and excess coverage.
Coverage descriptions are general. Availability, eligibility, limits, deductibles and exclusions vary by insurer and policy. Coverage is not bound, changed or cancelled until confirmed by our office.
A USEFUL STARTING POINT
What to bring to the conversation
- Underlying liability declarations
- Client contracts and requested limits
- Operations, vehicle exposures and loss history
Business Umbrella Insurance: common questions
Will a business umbrella cover all of my policies?
Not automatically. Check which underlying policies are scheduled and which claims fall within the umbrella's terms.
Are umbrella and excess policies identical?
They can differ in coverage and structure. Ask your agent to explain how a proposed policy responds and where exclusions apply.
Independent advice, close to home.
Cushman Insurance Group has served local families and businesses since 1922. Our family of agencies includes Cushman, Ora Andrews, T. Robert Sullivan and Bergeron. We help you compare available insurance options and understand the limits, deductibles and exclusions before making a decision.
Find our teams in Brockton, Halifax, Lakeville, Norton, South Attleboro and New Bedford, with T. Robert Sullivan serving clients from its Swampscott mailing location. See office details and hours.
LOCAL PEOPLE. PERSONAL GUIDANCE.
Let’s review it together.
Talk with our team about your priorities, your current coverage and what is changing.