Skip to main content
#
Call Us Today!
prev
next

Ready to get started on your insurance quotes?
Our agency can save you valuable time, money and endless aggravation on your personal and business insurance!
It's easy - call or click to get started! Ready to get started on your insurance quotes?

 

Ask us about a home warranty!

Ask us about a home warranty!

Commercial Umbrella

Umbrella Liability Insurance – A big difference between property and liability risks is that you can put a value on the property you have at risk, but there is no way to predict the amount of damages you could be required to pay as the result of a catastrophic accident. If, for example, you were found liable in a school bus accident that injured children, the damages could be in the millions of dollars. 
 
Umbrella Liability—also known as Excess Liability Insurance—provides extra protection for catastrophic events. The primary policies are called “underlying” policies and are specifically listed, along with their limits, on the umbrella policy. Typically, the underlying policies are your primary general liability, auto liability and the employer’s liability section of your workers comp policy. The umbrella coverage starts to pay when a covered loss exhausts the primary policy’s per occurrence limit. 
 
Most umbrella policies exclude employment practices liability, professional liability, product recall coverage, workers compensation and coverage for asbestos-related claims, pollution, war and terrorism. 

Contact us today to learn how we can help with your business insurance needs. 

 
 
 
 
 
 


With Permission Insurance Information Institute, Inc.  ALL RIGHTS RESERVED  
 
Quick Quote Request 

Send To Agent
    Contact Us

    M.L. Sutphin Insurance Agency, Inc.

    16483 Moneta Rd Suite K
    Moneta, VA 24121

    Phone: 540-266-3074
    Fax: 866-513-4797

    Office Hours:
    Mon: 9:00 AM - 4:00 PM
    Tues: 9:00 AM - 4:00 PM
    Wed: 9:00 AM - 1:00 PM
    Thurs: 9:00 AM - 4:00 PM
    Fri: 9:00 AM - 4:00 PM
    Sat: Closed
    Sun: Closed

    Email Us

     

    our facebook page google plus

     

    Terms & Conditions | Copyright | Privacy Policy
    © M L Sutphin Insurance Agency, Inc.

     

     

     

    Insurance Websites
    Insurance Web Designs - insurance websites | webmail login | admin login