Commercial Umbrella Insurance

If umbrella policies are good for individuals, then they are imperative for your business. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between your business surviving, or not.

The rising costs of lawsuits and judgments are important for today’s business owner to consider. Consider this:

  • Small businesses paid $105.4 billion in tort liability costs in 2008.

Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event. Call Charles Garland & Harris 575-437-6910 at or email us today about a commercial umbrella insurance policy.

New Mexico Business – What you need to know about commercial umbrella insurance

Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other policies. In some cases, it even broadens your protection. Due to the unpredictable nature of jury awards, CG&H recommends that your business insurance program include this coverage.

What is Excess Liability Coverage?

This coverage provides extra liability limits over an Umbrella policy. This coverage typically follows the terms of the first underlying insurance policy.

Who needs Excess Liability Coverage?

Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, significant public exposure.

Talk to Charles Garland & Harris today about your business operations and we can advise you what kind of liability coverage you need to protect yourself and your company. Just give us a call at 575-437-6910 and we’ll help make sure you’re covered.

To help guide you through purchasing commercial umbrella insurance call Manny Gonzales or Bruce Foster  at Charles Garland & Harris

Manuel Gonzales, Jr.
Commercial Insurance Producer
Manny@Cgh-Insurance.com
575-437-6910 Ext 107

Bruce Foster, CIC
Insurance Agent
bfoster@cressinsurance.com
Voice (505) 938-2437
Fax (575) 437-8187

3310 N. White Sands Blvd
Alamogordo, NM 88310
Monday- Friday 9am-5pm

We have everything you need all under one roof, the Red Roof.