Commercial Umbrella Liability


As a business owner in Cherokee or Cobb County, you probably have several assets that could be at risk should you suffer a major liability claim. A commercial umbrella policy is added liability coverage for your business. It’s meant to add additional protection should you suffer a claim on a primary policy that ends up exceeding the primary policy liability limit.

How a Commercial Umbrella Policy Covers Your Business

A commercial umbrella policy can cover liability claims such as medical expenses, property damage expenses and legal fees if you’re faced with a lawsuit. This is usually a stand-alone policy that works in conjunction with your primary underlying liability policies.

Some examples of how and when an umbrella policy would pay in the event you suffer a loss on an underlying liability limit:

  1. A company driver causes an at-fault accident involving multiple vehicles that exceeds your underlying commercial auto liability limit of $1 million.
  2. Your business sells a product, manufactures a product or provides a service that causes bodily injury to an individual and this claim exceeds the underlying liability limit.

By not carrying an umbrella liability policy, your company could be responsible for loss amounts that exceed your liability limits. A significant loss could put you at risk of losing your business.

Our experienced agents understand how serious a major liability claim can be for a small business. Contact our office today so that we can evaluate the risks associated with your business and assist you with getting the umbrella liability coverage that best suits your business and industry.

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Mountain Lakes Insurance opened its doors in 2009. Owners Erwin Dykstra & Jeff Nevison were former agency owners with a captive carrier but had a calling to create their own brand of customer service and experience. Our vision is to be the most valued and respected insurance agency in our community by providing trustworthy advice, reliable service, professionalism and friendliness to everyone we meet.

Our incredible team of agents has over 79 years combined experience. We strive to go beyond the basics and engage with our clients on a personal level. We provide highly rated carriers that offer our clients the best coverage protection and claims service.

After 10 years, we still strive above all else, to provide exceptional value through knowledge and transparency. We are committed to serving our clients, community, and team members with integrity and compassion.

Our dedication isn’t just to our clients. Woodstock is where we call home and we’re proud to be involved through the Cherokee Chamber, IN WDSTK, Woodstock Christian Business Network and our local churches. We are also members of Independent Insurance Agents of Georgia (I.I.A.G) and Trusted Choice.

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