What commercial umbrella insurance covers:
Commercial umbrella insurance typically extends over general liability insurance, the employer’s liability section of your workers’ compensation policy, and commercial auto insurance, including hired and non-owned auto (HNOA) coverage. It provides additional liability coverage by increasing the liability limits, stepping in when a liability claim exceeds the limits of your underlying policies. Whether it’s for bodily injury, medical expenses, coverage for spoilage, or other unforeseen events or accidents, an umbrella policy ensures your practice is protected when standard coverage falls short.
For practices requiring more specialized coverage, we can also help with surplus lines coverage (E&S) to address unique or high-risk needs, complementing existing policies like the Physician Office Package Policy or the Business Owners Package Policy.
How much does commercial umbrella insurance cost?
Commercial umbrella insurance is one of the least expensive insurances you will ever purchase, with the greatest potential to protect you in a catastrophic situation.
Premiums vary based on several factors, including but not limited to: the size and type of your business, the industry you operate in, your existing liability insurance and coverage limits, as well as the level of risk associated with your operations.
We’re committed to putting your needs first and helping you manage costs proactively.
We provide cover for
You make life-saving decisions daily — rely on coverage designed to support your critical responsibilities.
Face every shift with confidence, backed by insurance tailored to meet the demands of nursing care.
Provide exceptional care knowing your coverage is built to support the demands of dental practice.
Treat every patient confidently with insurance that understands the risks and rewards of veterinary care.
Your care makes a difference — stay protected with coverage built for your fast-paced clinical role.
Your team is driving better outcomes — protect your practice with coverage designed for today’s clinical demands.
Request a Free, No-Obligation Quote Today
Is it time to examine your current policy? Remember, what you don’t know can hurt you.
The simplest way to mitigate risk is through thorough preparation. At Actuate Insurance, we are best placed to help enhance your preparedness.
With our extensive experience and deep industry knowledge, we are confident in our ability to tailor a competitively priced insurance program that addresses your unique needs.
Simply complete the form to request a free, no-obligation quote, and we will contact you to discuss your options.
Our Product Offerings
In the ever-evolving health care landscape, it’s not always “business as usual,” so having the right commercial insurance is essential.
It’s the nature of medicine for complications to occur. Make sure you and your practice are properly covered when allegations arise.
Your health should be a priority too. There is no time like the present to review your health benefits, explore options, and maximize savings.
FAQs
Yes, commercial umbrella insurance premiums are generally tax-deductible as a business expense, as long as the coverage is directly related to your business operations.
You should consider commercial umbrella insurance if your medical practice or health care facility faces significant liability risks, such as potential bodily injury or medical expenses claims that may exceed the limits of your existing coverage. If you rely on hired and non-owned auto coverage or handle sensitive patient care, umbrella insurance provides crucial additional protection beyond your standard policies.
General liability insurance offers core protection for claims related to bodily injury or property damage, which is essential for medical practices. However, umbrella insurance provides excess liability insurance, stepping in when claims exceed the limits of your general liability or other existing policies.
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