Umbrella Liability

Guild Insurance

Commercial Umbrella Liability Policies to Protect Your Business

Umbrella liability is intended to provide additional coverage above and beyond your general liability, liquor liability, and workers’ compensation coverage limits. If the unimaginable happens and your underlying policy limits are exhausted, you’ll be relieved to know your umbrella policy will respond.

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What is Umbrella Liability?

Umbrella liability is always recommended to provide an extra layer of protection for your business and assets. Business is unpredictable and you never know when tragedy strikes.


Your lease may require higher than typical limits. An umbrella liability policy may be an economical way to meet your lease requirements and broaden your coverage.
It is impossible to predict a catastrophic liability claim that could exhaust your underlying limits.

Why Should My Business Get Umbrella Liability?

In today’s litigious society, it is impossible to determine which claim or incident will potentially exhaust your underlying policy limits. Jury awards are increasing and you should be prepared with excess/umbrella coverage to protect your business investments.

Coverage Highlights

Limits up to $5,000,000
$10,000 Retained Limit

Claim Vault

Your nightclub has become the hottest go-to spot. Unfortunately, a security incident triggered a mass panic within your establishment, resulting in mass casualties. This incident garnered substantial local and national media coverage and the lawsuits followed. Your standard $1mm general liability limits would have never covered the monetary damages awarded by the jury. In a small moral victory, you are relieved that you purchased an umbrella liability policy that provided coverage for monetary damages for this horrible event.

True Story—We’ve been around since 1946. We’ve seen a lot.

How Can My Business Umbrella Liability Insurance?

Complete our easy online quote form and sit back and relax; Guild Insurance handles the rest. Our professional agents will submit your business to our top-rated carriers and contact you once the quote is received.

Guild Insurance has you covered!

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Guild Insurance

Our Other Coverages

You’ve invested a lifetime of passion in your business; You need an insurance policy that will protect it. Guild Insurance offers insurance policies that meet each unique challenge the hospitality industry presents.

General Liability

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Liquor Liability

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Property insurance to better protect your business


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Workers Compensation

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Employment Practices Liability

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Cyber Liability

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Hired & Non-Owned Auto

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Surety Bonds

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