Commercial Umbrella Insurance in Bedford, New Hampshire
Many companies face financial risks that could potentially exceed their liability insurance limits. When significant claims arise, having additional coverage helps maintain financial stability even during challenging situations.
At Dyer Insurance Agency, we understand what Bedford businesses need when seeking commercial umbrella insurance; allow us to be your gateway to quality insurance solutions.
What Is Commercial Umbrella Insurance? 
Commercial umbrella insurance is designed to offer additional liability coverage beyond the limits of your underlying business insurance policies. This coverage isn’t a stand-alone insurance policy. It works by creating an extra layer of financial support that activates when a covered claim exceeds the limits of your primary policies, such as general liability, commercial auto or employer’s liability insurance.
What Does Commercial Umbrella Insurance Cover?
After a liability claim, you must first use your primary liability coverage. These policies pay up to their dollar limits. Commercial umbrella insurance extends your company’s business liability insurance limits. For example, if a customer sustains a serious injury at your Bedford location resulting in a settlement that exceeds your primary policy limits, commercial umbrella coverage may help cover those costs.
Your umbrella policy may also extend coverage for auto liability claims exceeding your commercial auto policy limits. This becomes particularly valuable for businesses with vehicle fleets or employees who regularly drive for business purposes.
Commercial umbrella coverage can also extend the liability limits of your professional liability and EPLI policies.
Expand Your Business Coverage
Contact Dyer Insurance Agency today to explore commercial umbrella options that fit your Bedford business needs.