Umbrella Insurance
In the face of major claims, your standard business insurance may not be enough to cover the costs. Commercial Umbrella insurance provides an extra layer of protection, extending your existing liability limits to ensure your business remains financially secure even in the worst-case scenarios.
Whether it’s a lawsuit, property damage claim, or large settlement, an umbrella insurance policy ensures your coverage doesn’t run out when you need it most. For Ontario businesses of all sizes, it’s a smart and cost-effective way to safeguard assets and maintain long-term stability.
What is Commercial Umbrella Liability Insurance?
Commercial Umbrella Liability insurance is a policy designed to supplement your existing business liability coverage. It provides additional protection once your primary insurance, such as Commercial General Liability, Commercial Auto, or Employer’s Liability, has reached its limits.
For example, if your business faces a major lawsuit or accident that exceeds the coverage provided by your underlying policies, your umbrella coverage steps in to cover the remaining costs, including legal fees, medical payments, and settlements.
A Commercial Umbrella insurance policy can be especially valuable for businesses that are exposed to high public interaction, have large-scale operations, or contractual requirements that demand higher liability limits. It helps ensure that one unexpected event doesn’t drain your company’s financial resources or disrupt its future growth.
Why is Commercial Umbrella Insurance Important
Commercial Umbrella insurance provides businesses with an additional layer of liability protection when a single claim exceeds the coverage limits of their standard policies.
Higher liability limits
If a lawsuit, injury claim, or property damage exceeds the limit on your commercial general liability, auto, or employer’s liability policy, umbrella insurance can step in to cover the remaining amount. This helps prevent large, unexpected payments from the business.
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Protection for business assets
A severe claim can put cash flow, equipment, property, or even future earnings at risk. Umbrella coverage helps shield the company’s assets, allowing operations to continue uninterrupted.
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Support for contract requirements
Many commercial contracts, landlords, or project owners expect businesses to carry higher liability limits. An umbrella policy is a cost-effective way to meet those requirements without increasing the premiums of every underlying policy.
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Ideal for higher-exposure operations
Businesses that deal with the public, operate at multiple locations, manage fleets, or have large numbers of employees are more likely to face significant claims. Umbrella insurance adds the extra buffer they need.
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Business continuity and reputation
Covering the full cost of a major claim enables the company to recover more quickly and maintain trust with clients, partners, and lenders.
What Does Umbrella Insurance Cover?
A Commercial Umbrella insurance policy extends the coverage of your existing liability insurance, protecting your business from major claims that exceed standard policy limits. While each policy is customized to your operations and risk profile, most umbrella insurance coverage includes protection for:
- Third-party bodily injury: Covers medical expenses and legal fees if someone is injured due to your business operations.
- Property damage liability: Provides coverage if your business is held responsible for damaging someone else’s property.
- Legal defence costs: Pays for attorney fees, court costs, and settlements once your primary policy limit is reached.
- Personal and advertising injury: Covers claims related to libel, slander, or copyright infringement.
- Auto-related liability: Extends protection to accidents involving company vehicles beyond your commercial auto policy limit.
It’s important to note that Commercial Umbrella liability insurance doesn’t replace your underlying policies; it supplements them. It also doesn’t cover intentional damage, professional errors, or employee injuries, which are typically handled through other specific policies, such as professional liability or workers’ compensation insurance.
At KASE Insurance, we help Ontario businesses understand precisely what their umbrella coverage includes, ensuring that every layer of protection aligns with your company’s risk exposure. You won’t ever need to pay beyond your needs.
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Complete Coverage Options for Businesses
Commercial Umbrella insurance works best when it sits on top of a strong base of business policies. These cover everyday risks, while the umbrella policy steps in for large or unexpected claims.
Commercial General Liability Insurance
CGL is the first layer of protection for most Canadian businesses. It helps cover third-party injury, property damage, and personal/advertising injury claims that can happen during normal operations.
Commercial Property Insurance
Protects buildings, office contents, equipment, and inventory against insured perils, including fire, theft, or vandalism. Pairing it with umbrella coverage helps safeguard both your assets and your liability exposure.
Business Interruption Insurance
If a covered loss forces your business to slow down or close temporarily, this coverage helps replace lost income and cover ongoing expenses, allowing you to recover.
Commercial Auto Insurance
Businesses that drive for work face additional liability on the road. Commercial auto insurance covers company vehicles and accident-related claims, which your umbrella policy can support.
Cyber Liability Insurance
Data breaches, ransomware, and privacy violations can lead to costly claims. Cyber insurance helps cover response costs, notifications, and certain liability arising from cyber events.
Directors and Officers (D&O) Liability Insurance
Protects business leaders from claims tied to managerial decisions, governance or alleged misrepresentation. It is an important complement for incorporated businesses that already carry higher liability limits.
With these core policies in place, a commercial umbrella policy can extend your limits across multiple areas, providing your business with broader and more affordable protection.
Who Needs Commercial Umbrella Insurance?
Commercial Umbrella insurance is most useful for businesses that could face a single large claim that goes beyond the limit of their general liability, auto, or employer’s liability policy.
Adds extra protection if a tenant, visitor, or real estate developer is injured at one of your locations and the claim exceeds your CGL limit. Helpful when you own or lease multiple sites.
Provides higher limits to contractor insurance if there is a serious injury on a job site, damage to a client’s property or an auto-related claim from company vehicles. Supports contract requirements for higher liability.
Extends liability protection when commercial vehicles are on the road every day, reducing the impact of high-cost auto or third-party injury claims.
Offers an extra layer of protection to customer-facing hospitality industries in the event a guest is injured on the premises or alleges property damage, especially in high-traffic locations.
Helps cover large third-party injury or premises-related claims that fall outside your professional services, such as a client slipping during a meeting.
Provides affordable higher limits so one lawsuit or accident does not undo years of growth. Useful for small businesses taking on bigger contracts or working with landlords who require higher coverage.
Why Choose KASE Insurance for Commercial Umbrella Insurance
At KASE Insurance, we make it simple to strengthen your protection with Commercial Umbrella insurance that’s tailored to your business. As one of Ontario’s leading independent insurance brokers, we take the time to understand your operations, assess your risks, and design an umbrella coverage plan that complements your existing policies.
Our team works with top insurers across Canada to secure comprehensive, affordable protection, whether you’re a small business owner or manage multiple commercial properties. We take pride in delivering responsive service, transparent guidance, and long-term risk management support.
Don’t wait until an unexpected claim threatens your success. Contact KASE Insurance today to get a free umbrella insurance quote and discover how we can help your business stay covered, no matter what comes your way.
Read what clients have to say about KASE
By far the most professional and trustworthy insurance brokerage I have known. We have been working with this firm for number of years now and I have nothing but good to say about their team and services. Stan and his team won't stop until we are fully satisfied. They are always on top of things, super fast in their assistance and very professional. I highly recommend this firm to anyone seeking for great insurance brokerage to work with. Big Thank You to Stan and Kase Insurance for many many years of great service!
Reviewer: Alex K
out of 5 stars
Stan and is team at KASE Insurance have been fantastic in explaining what insurance we needed for our business. Very hands on approach and detailed. I work highly recommend KASE Insurance for any business owner looking for great service.
Reviewer: Kyle Grooms
5 out of 5 stars
The KASE team is very easy to work with. They answer your questions quickly, walk you through the process patiently, and find you great rates. We've been working with them for a few years and we haven't felt the need to shop elsewhere because of their customer service.
Reviewer: Sasha Boersma
5 out of 5 stars