We at Kansas Preferred Insurance Group provide Kansas Commercial Umbrella policies to over 200 businesses throughout the state of Kansas. In addition, we custom tailor your policy to fit your specific needs and business industry with one of our over 60 insurance companies.
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Kansas Commercial Umbrella Insurance Explained
Commercial Umbrella Insurance
Commercial Umbrella Insurance provides an extra layer of liability protection by covering your business above and beyond your other policy's liability coverage limits.
For example, a client is walking in your parking lot and steps in a hole and falls, which in turn breaks their wrist. You are then sued by that client and found liable for $2 million, but you only have $1 million liability with your business owner's policy. You would be held responsible for the remaining $1 million. Unless you had at least a $1 million umbrella, that would make up the $1 million difference.
What Does A Commercial Umbrella Cover?
A commercial umbrella policy covers the same type of incidents as a business owner's liability, such as attorney fees and damages in the event of a lawsuit and medical expenses.
Selecting the correct Kansas commercial umbrella insurance depends on several factors, not limited to the amount of assets you need to protect, and the size of your company. Our experienced Kansas commercial umbrella insurance advisors can help guide you through the process and help you select the correct commercial umbrella insurance for your specific needs
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