Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.
Commercial Umbrella Insurance
Extra Protection for Your Business
Extend Your Liability Limits
Commercial umbrella insurance provides an extra layer of protection above your existing liability policies, such as general liability, commercial auto, and employers liability. When a major claim exceeds your base policy limits, umbrella coverage helps protect your business from significant financial loss.
What Umbrella Insurance Covers
Excess Liability Coverage
Adds additional limits over your general liability, auto liability, and other underlying policies.
Large Claim Protection
Helps cover high-cost lawsuits, settlements, or judgments that exceed primary policy limits.
Broader Protection
May extend coverage in certain situations where underlying policies have limitations (subject to policy terms).
Legal Defense Costs
Provides additional support for legal expenses once underlying limits are exhausted.
Employer Liability Extension
Provides added protection over employers liability for serious workplace-related claims (where applicable).
Who Needs Commercial Umbrella Coverage
- Contractors and trades with higher-risk jobsite exposure
- Businesses with company vehicles or delivery operations
- Retail, restaurants, and service businesses with public interaction
- Companies with contracts requiring higher liability limits
Any business looking to protect assets from large or catastrophic claims.
Stronger Protection for Growing Risk
AFrom serious accidents on job sites to costly liability lawsuits, claims can exceed standard policy limits quickly. Gateway Insurance understands the risks businesses face and can help you add the extra protection needed to safeguard your operations and future.
Extended Liability Protection
From jobsite accidents to high-cost lawsuits that exceed standard policy limits, businesses face risks that can quickly escalate. Gateway’s local team understands contracts, project exposure, and liability demands, we help you secure the added protection needed to safeguard your business and future.
Commercial Umbrella Insurance – Questions Answered
What does commercial umbrella insurance cover?
It provides additional liability limits above your existing policies, helping cover large claims, lawsuits, and legal expenses.
How does umbrella insurance work with general liability?
It kicks in when your general liability or other underlying policy limits are exhausted.
How much umbrella coverage does my business need?
It depends on your risk exposure, contracts, and assets.
Is commercial umbrella insurance required for contracts?
Usually Yes, contracts require higher liability limits that are often met by adding umbrella coverage.
What policies does umbrella insurance sit over?
Typically general liability, commercial auto, and employers liability (depending on the policy).
Get the Extra Liability Protection
your business needs!
Don’t let a large claim exceed your coverage. Gateway Insurance offers access to multiple carriers and can help you determine the right umbrella limits to keep your business protected.