Umbrella Insurance

Extra Coverage for Financial Security

In today’s business environment, a standard General Liability Policy may not provide enough protection. Depending on the type of business you operate, you could face significant financial risks due to the rising number of lawsuits and unforeseen occurrences. That’s where commercial umbrella insurance comes in.

Commercial umbrella insurance provides additional liability limits above underlying policies such as general liability, commercial auto, and employer liability within a structured commercial insurance program. Umbrella coverage is designed to respond when primary policy limits are exhausted, which is increasingly common in severe injury claims, multi-party lawsuits, or high-dollar settlements affecting businesses with significant liability exposure.

Many contracts require umbrella limits of $2M, $5M, or higher, particularly for contractors, property owners, and businesses operating in public-facing environments where higher commercial liability limits are required.

Umbrella policies help protect business assets and reduce the risk of catastrophic financial loss from large liability claims that exceed standard policy limits.

Areas We Serve

American Tri-Star provides auto coverage throughout California. Our car insurance agents in Orange County and San Diego County can help you understand your options. We also have representatives to assist your auto coverage needs in the Bay Area, Riverside County, and Los Angeles County.