Commercial Umbrella Insurance
Commercial umbrella insurance is additional liability coverage that sits above your primary policies, providing extra protection once those underlying limits are exhausted.
What You Need to Know
If a catastrophic claim exceeds your $1 million general liability limit, umbrella insurance kicks in to cover the excess — often providing an additional $1M-$5M in protection at relatively low cost.
Why It Matters for Restaurant Owners
Major incidents can easily exceed standard liability limits — a serious foodborne illness outbreak, a drunk driving accident tied to your restaurant, or a massive slip-and-fall injury. Once your primary coverage is exhausted, you're personally liable for the remainder.
Umbrella policies cost far less per dollar of coverage than primary policies, making them one of the best values in insurance. Most restaurants should carry at least $2-3M in umbrella coverage, especially if they serve alcohol, operate multiple locations, or have significant personal assets to protect.
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