Asset Shield Insurance steel shield logo, an agency for commercial umbrella insuranceAsset Shield Insurance
A large black umbrella in the foreground rises over glass office towers and a gray van on a wet city street., illustrating commercial umbrella insurance

Commercial Umbrella Insurance Built For Your Business

A big claim can top your normal liability limits. We help Nebraska owners compare commercial umbrella insurance and see how it sits on top of the policies you have.

Get A QuoteCall (402) 880-5569

What Is Commercial Umbrella Insurance?

Commercial umbrella insurance is extra liability coverage that sits above your other business policies. When a claim uses up the limit on a policy underneath, the umbrella can pay more, up to its own limit.

It can help businesses with customers on site, staff on the road, or contracts that ask for higher limits. Many owners add it once the company has assets to protect.

An umbrella usually follows the policies below it, such as general liability and commercial auto. It does not usually cover damage to your own property. Terms depend on your policy and carrier.

As an independent agency, we can ask many carriers what they require underneath and what they offer above. We explain the options in plain words, so you can pick limits that fit.

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Where An Umbrella Policy Can Help

An umbrella does not replace your main policies. It adds a second layer above them. These examples show where extra limits can matter, based on how your business works.

  • An orange traffic cone stands beside a storefront glass door, with a folded black umbrella leaning on the doorframe on a wet sidewalk at dusk., illustrating commercial insurance umbrella policy

    Serious Injury Claims

    A customer or visitor with a major injury can lead to costs beyond a basic limit. An umbrella can add room above your general liability policy.

  • A white box truck seen from behind turns through a rainy city intersection with red tail lights on, among cars and a bus., illustrating commercial umbrella insurance

    Accidents Involving Vehicles

    A crash involving a company vehicle can lead to a large claim. An umbrella can sit above commercial auto liability, if the carrier allows it.

  • Two business owners shake hands across a conference table with a closed folder and a pen between them in a glass-walled room., illustrating commercial umbrella liability insurance

    Contract Requirements

    Some clients and landlords ask for higher liability limits in a contract. An umbrella can be a way to meet that request without raising every base policy.

  • Inside a small fabrication shop with metal machines, shelves of stock and pallets, the owner stands small in the aisle in window light., illustrating commercial insurance umbrella policy

    Growing Business Assets

    As savings, equipment and property grow, more is at stake in a lawsuit. We can talk through how extra limits relate to what you own.

Independent Means Choices

We work with many insurance carriers, so we can compare commercial umbrella insurance options for coverage, service and price. Everyone does not get the same policy.

  • A hard hat and rolled blueprints on a table beside a laptop and a printed insurance policy, from Asset Shield, an independent agency for commercial umbrella insurance

    Coverage

    Umbrella forms differ by carrier. We compare what each one needs underneath and what it usually leaves out, so the policy fits your other coverage.

  • A friendly insurance agent at a desk talking on the telephone with a headset in a bright office, from Asset Shield, an independent agency for commercial umbrella insurance

    Service

    We can look over your current policies and point out where an umbrella would connect. If you have questions at renewal or after a claim, you can call us.

  • A calculator, a pen and an open notebook on a clean desk beside a cup of coffee, from Asset Shield, an independent agency for commercial umbrella insurance

    Price

    Cost depends on your limits, your industry, your underlying policies and your claims history. We collect quotes from several carriers so you can compare the value of each layer.

What We Check Before We Shop Carriers

An umbrella works with the policies beneath it, so we start there. We look at your liability and auto limits, and at any contract that sets a minimum.

Then we talk about how your business could face a large claim. That helps us ask carriers for sensible limits, not a number picked at random.

  • Your current liability policies and limits
  • Contracts that require higher limits
  • Company vehicles and drivers
  • Your industry and daily operations
  • Assets you want to protect
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The Omaha Nebraska downtown skyline across the river at blue hour with glowing city lights, from Asset Shield, an independent agency for commercial umbrella insurance

Tell Us About Your Business

We will find out more about your Nebraska commercial insurance needs, compare carriers and come back with options.

  1. 1 Tell Us What You Do
  2. 2 We Compare Carriers
  3. 3 We Come Back With Options
Get A QuoteCall (402) 880-5569