Commercial Excess Liability Insurance

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At Commercial Coverages, Inc., we understand there isn’t a one-size-fits-all protective coverage plan that’s perfect for every situation. There are new threats to the wellbeing of your business almost every day. Our Daytona Beach and Palm Coast insurance agency teaches our clients that a standard property and liability policy is vital, but having a commercial excess liability insurance backup policy is often just as important as its primary counterpart.

Our excess casualty policy picks up where our primary service leaves off. Unexpected risks always take a toll on your business, but they do so to an even greater extent when your primary policy reaches its limits. With our excess protection in place, you’ll be prepared for claims that exceed the limits of your primary policy. A commercial liability insurance quote from one of our agents can tell you what the new limits may be and how much more the company will pay if you should end up involved in a lawsuit.

About Our Additional Limits and Umbrella Coverage

Understand that excess liability insurance doesn’t provide more coverage. Instead, it increases the limits of your primary policy. A hybrid plan of excess liability and additional coverage is known as commercial umbrella insurance. This choice delivers both extra coverage and additional limits. Ask our agents about this option for your business and what kind of limits and protections are best for you. We can certainly help you decide; our agents work closely with clients like you every day to help you learn the ins and outs of how our insurance works.

The Necessity of This Policy

Nowadays, some people see suing a business—often over something silly—as a get-rich-quick scheme. Issues like too much or too little ice in a drink have led people to sue for sky-high amounts. Excess liability insurance prevents these inconveniences from doing away with your business. Regardless of whether you were at fault, we can help you keep up with the costs that come from court contests.

You never know when a disgruntled customer or employee may come after your profits, and you’re far better off being safe now than sorry later. Let us help you protect the business you’ve worked so hard to build.

Whether you are in need of commercial excess liability insurance or you are interested in learning more about our other coverage options, such as our auto insurance in Daytona Beach, FL, or our life insurance in Daytona Beach, FL, we have you covered. Contact a skilled agent today at (386) 446-2330 or (386) 756-8551to request a free quote or to ask us any questions you may have. When you’re at risk for excess damages, we’re by your side with an excess insurance policy.