Why choose IOA for commercial umbrella insurance?
Our dedicated advisors work closely with you to identify your business’s vulnerabilities and current liability insurance to see where you might have shortfalls or gaps.
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Customized risk assessment
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Our highly skilled risk management experts analyze your organization’s specific exposures and coverages to determine if you could benefit from one or more umbrella policies.
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Comprehensive coverage beyond standard limits
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Commercial umbrella insurance significantly extends your coverage limits, protecting your business from scenarios that would otherwise leave you paying out of pocket.
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Expertise and support
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Our brokers and client advocates can guide you through the complexities of your coverage, help you understand how it works in practice, and support you in the event of a claim.
Coverage features
Umbrella insurance is highly customized to your needs and can add significant sums to your primary policy limits as well as coverage for risks your primary liability insurance leaves out.
Extended coverage limits
Umbrella insurance picks up where your primary liability policy leaves off in terms of dollar amounts of coverage. You may be able to buy a commercial umbrella policy for each of your primary liability coverages, such as general liability, professional liability, and cyber liability.
Broad coverage scope
Commercial umbrella insurance can cover legal expenses, medical bills, damage to third-party property, and court judgments and settlements.
Flexibility and customization
Umbrella coverage is tailored to your business’s sector and unique circumstances and serves all industry classes.
Cost-effective solutions
While commercial umbrella insurance can be expensive, IOA has broad access to insurers and strong negotiating skills to work toward affordable solutions.
Proactive risk management
Our advisors can help your business assess its risks and develop strategies to avoid claims that exceed your primary policy limits.
Connect with an IOA insurance expert
Speak to an IOA broker who understands your industry, goals, and challenges.
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