Commercial Umbrella Insurance

Added Protection for Unexpected Business Risks

Even the most well-covered business can face unexpected claims that exceed standard liability limits. That’s where Commercial Umbrella Insurance comes in. At Paris Insurance Group, we help businesses protect their financial future with smart, affordable umbrella coverage—customized to fit your risks, needs, and budget.

As a local, independent insurance agency, we represent multiple top-rated insurance companies, giving us the flexibility to shop, compare, and find the right policy for your business. Whether you run a small shop or a growing company, we’re here to provide trusted advice, expert service, and reliable protection.

What Is Commercial Umbrella Insurance?

Commercial umbrella insurance provides extra liability coverage that kicks in when the limits of your existing business insurance policies—like general liability, commercial auto, or employer’s liability—are exhausted. Think of it as a safety net. If a serious claim or lawsuit pushes your standard coverage past its limits, an umbrella policy helps cover the rest, so your business assets and future aren’t at risk.

What Does Commercial Umbrella Insurance Cover?

An umbrella policy can help protect your business by covering:

• Bodily injury or property damage claims that exceed your primary policy limits
• Legal fees and court judgments in large liability lawsuits
• Claims related to auto accidents, slip and falls, or other common risks
• Employer liability claims that go beyond your workers' comp coverage (with certain endorsements)

It’s especially valuable for businesses with customer foot traffic, employees driving for work, or exposure to larger liability risks.

What Else Should You Know About Commercial Umbrella Insurance?

• It doesn’t replace your primary coverage – You must have base policies like general liability or commercial auto in place.
• It’s more affordable than you might think – For the amount of protection you get, commercial umbrella policies are often a cost-effective way to boost your coverage.
• It’s tailored to your risk profile – At Paris Insurance Group, we work closely with you to assess your coverage needs and recommend the right policy from the right provider.

Why Choose Paris Insurance Group?

We're your local, independent insurance experts, committed to helping you make smart decisions. We provide affordable, personalized insurance solutions backed by exceptional service. Because we represent multiple insurance carriers, we can shop and compare to help you find the best policy for your business—and your budget.

Indianapolis Business Insurance Agent You Can Trust

Get the right commercial umbrella insurance at the right price! Located in Westfield, we offer business and property insurance coverage throughout Central Indiana including Indianapolis, Carmel, Noblesville, Fishers, Zionsville, Whitestown, and Brownsburg. We're also proud to serve the entire state of Indiana from our Westfield office.

Protect Your Business From the Unexpected - Get a Quote Today - Need commercial umbrella insurance? Let Paris Insurance help. Contact us to compare quotes and find the right coverage at the best price.