---
title: Washington Commercial Umbrella Insurance | Kelley Insurance Agency in Everson, Washington
description: Commercial umbrella insurance protects your assets by going above and beyond your other policies. Kelley Insurance Agency offers commercial and business insurance. Serving Everson and all of Washington.
---

# COMMERCIAL UMBRELLA INSURANCE

## Commercial Umbrella Insurance

A commercial umbrella policy protects you when a catastrophe results in losses that exceed your basic liability coverage. In some cases, it can even broaden your protection.

For businesses with above-average risk exposure (high loss potential, high-profile, a global presence, etc.), higher coverage limits may be necessary. In those cases, excess liability coverage can provide extra coverage above and beyond an umbrella policy.

Examples where a commercial umbrella policy might be needed can include:

- A customer falls down in your office, severely injuring themselves in the process. The costs of the injuries exceed the coverage of your general liability policy.
- An advertisement your business placed is deemed misleading, and subject to a class-action lawsuit that exceeds your primary business liability.
- An employee is injured while operating a piece of heavy equipment on the job. They sue the equipment manufacturer, who in turn sues you for an amount that exceeds your business liability coverage.

If you’re not sure about whether you need umbrella insurance, we can help. [Contact us](/contact) today to speak to our professionals and find out whether umbrella insurance is right for your business.

* * *

## Insurance Quotes

Give us some info and we'll help you find the best coverage options.

[Request a Quote](/quotes)

## Insurance Partners

[Aegis — American Modern — Bristol West — Dairyland — Foremost Insurance — GeoVera — Granwest Insurance — Hagerty — JC Taylor — Kaiser Permanente — Liberty Mutual — National Catastrophic Insurance Program — National General — Oregon Mutual — PersonalUmbrella.com — Progressive — RLI — Symetra — Travelers — Wright Flood — Zurich](/insurance-companies)

### LET'S GET STARTED ON YOUR INSURANCE QUOTE

We'll review your current insurance for gaps and offer suggestions to improve your coverage or reduce your premiums, depending on your needs.

[Talk to an Agent](/contact)

[Start Online](/quotes)

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