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Business Umbrella Insurance

Extra Business Protection

Extend your liability coverage beyond the basics.

Even with standard business insurance, certain claims can exceed policy limits. Business umbrella insurance provides an extra layer of financial protection against large liability claims. At Washington First Insurance, we help businesses in Battle Ground and beyond stay protected from unexpected legal costs, settlements, and damages.

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Added protection for high-risk liability situations.

When standard liability policies reach their limits, business umbrella insurance helps fill the gap. It offers extra protection for lawsuits, medical costs, and other financial risks. Explore key coverage options below.

Coverage Options

Excess Liability Coverage

Adds extra coverage when claims exceed the limits of your general liability, auto, or other business policies.

Legal Expense Protection

Covers attorney fees, court costs, and settlements in case of high-cost lawsuits.

Employee & Public Liability

Protects your business against major claims related to employee actions, customer injuries, and property damage.

Answers to common questions about business umbrella insurance.

  • How does business umbrella insurance work?

    It provides extra liability protection by covering costs that exceed your primary policies’ limits, including legal fees, settlements, and medical expenses.

  • What types of businesses need umbrella insurance?

    Any business with high exposure to liability risks—including contractors, property owners, and customer-facing businesses—benefits from additional coverage.

  • Does umbrella insurance cover employee lawsuits?

    It depends on your policy. While it extends coverage for liability claims, you may need additional employment practices liability insurance (EPLI) for workplace-related claims.

  • Can I combine umbrella insurance with my existing business policies?

    Yes! It’s designed to work alongside general liability, auto, and other business policies, providing added financial protection.

  • How much coverage do I need?

    Coverage amounts vary by business size, risk level, and industry. We’ll help assess your needs and recommend the right policy.

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