Commercial Umbrella Insurance

If umbrella policies are good for individuals, then they are imperative for business. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not.

The rising costs of lawsuits and judgments are important for today’s business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event. Contact The VIP Insurance Agency today about a commercial umbrella insurance policy.

Washington – What you need to know about commercial umbrella insurance

Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other policies. In some cases, it even broadens your protection. Due to the unpredictable nature of jury awards, The VIP Insurance Agency recommends that your business insurance program include this coverage.

What is Excess Liability Coverage?

This coverage provides extra liability limits over an Umbrella policy. This coverage typically follows the terms of the first underlying insurance policy.

Who needs Excess Liability Coverage?

Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, significant public exposure.

Talk to The VIP Insurance Agency today about your business operations and we can advise you what kind of liability coverage you need to protect yourself and your company. Just give us a call and we’ll help make sure you’re covered.


COVID-19/Coronavirus Office information

VIP Customers,

We are committed to serving you!


All VIP Offices are staffed and we are here to serve our community. We remind our customers that most services can be provided by making a phone call to your local VIP office. Payments can be made by credit card, debit card, or check over the phone! Policy changes can be done over the phone as well.


If a visit to our offices is required, we ask that all customers follow health care professionals advice for COVID-19 and please keep at least 6 feet of distance from our staff and we will keep our distance from you as well. If you have recently been sick or fear you might currently be sick, we ask that you do not come inside the office. Please call us and we can meet you at the door for service.


Thank you for your continued support and understanding!


VIP Staff, Management and Ownership