商业责任保护伞pp王者电子官网

Extra coverage can help you prepare for the things you don’t see coming.

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What is commercial liability umbrella insurance?

在商业, you want to be prepared for both the success you anticipate and the unexpected disasters you don’t. 商业责任保护伞pp王者电子官网, 通常称为CLUPpp王者电子官网, provides extra coverage for the worst-case scenarios that exceed the liability 限制 of your existing policy 限制. It also offers you the flexibility to up your liability protection over multiple policies at once.

它是如何工作的:

假设有a 商业pp王者电子官网单 that comes with $1 million in general liability coverage and a business auto policy with a combined single liability limit of $1 million. 听起来够了，对吧? But what if an employee driving a company vehicle is at fault in a multi-car accident resulting in crippling injuries and property damage totaling $5 million? CLUP insurance could kick in to pay the $4 million not covered by your existing liability 限制 – instead of you having to pay the cost out-of-pocket.

Do I need commercial liability umbrella insurance for my business?

If you lose a liability lawsuit and the judgment far exceeds your coverage 限制, could you afford to pay the excess cost yourself? No matter how thoroughly you train your employees or how rigorously you design and implement your safety procedures, 不好的事情仍然可能发生. Not having enough coverage could bankrupt your business.

对大多数企业来说, 问题不在于你是否需要它, 但是有多少呢?, 特别是如果你的业务涉及:

  • Using cars, trucks, vans, or other vehicles
  • 频繁与客户互动
  • 侵占别人的财产

You may also need a CLUP to cover other liability requirements:

  • Landlords requiring liability coverage with higher 限制
  • Contracts which require liability in excess of your 限制

Whether you need commercial liability umbrella insurance to hedge against catastrophic loss or to increase your 限制 and grow your business, 你们当地的代理商 can help you select coverage options that meets your unique business needs.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia recognized State Farm insurance as the top choice for small businesses 1 像你这样的. 原因如下:
agent-know-how

代理技术

我们的代理商也是企业主. They understand the unique needs of small business owners.

customizable-insurance

可定制的pp王者电子官网

We offer an array of coverage options that can be combined into one policy.

优质服务

特殊的服务

Since 1935, we’ve been 在这里 to help small business.

跟当地州立农场的代理人谈谈

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. 承保范围详情, 限制, or services may not be available for all business and vary in some states. 所有险别均以本合同条款为准, 规定, 除外责任, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

State Farm (including State Farm Mutual Automobile pp王者电子官网 Company and its subsidiaries and affiliates) is not responsible for, 不赞同或赞同, 隐式或显式, the content of any 第三方网站s hyperlinked from this page. 州立农业pp王者电子官网公司无权改变, 更新, or control the content on the hyperlinked, 第三方网站. Access to 第三方网站s is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such 第三方网站s.

Life pp王者电子官网 and annuities are issued by State Farm Life pp王者电子官网 Company. (未在MA获得许可, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, 布卢明顿, 伊利诺斯州.

  • State Farm Mutual Automobile pp王者电子官网 Company
  • 国家农场赔偿公司
  • 布卢明顿,
  • State Farm County Mutual pp王者电子官网 Company of Texas
  • 理查森,TX
  • 州立农场火灾事故公司
  • 州立农场pp王者电子官网公司
  • 布卢明顿,
  • 州立农场火灾事故公司
  • 佛罗里达州温特黑文
  • 劳埃德州立农场
  • 理查森,TX
  • State Farm Life pp王者电子官网 Company (Not licensed in MA, NY or WI)
  • State Farm Life and Accident Assurance Company (Licensed in NY and WI)
  • 布卢明顿,