Business Umbrella Insurance

You’ve worked hard for the success of your business — and a single unfortunate event could put its assets at risk if the cost of a covered claim exceeds the limits of your business liability insurance.

That’s where Farmers® business umbrella insurance can help. It’s an additional layer of liability insurance that begins at the limit of an underlying liability policy. Purchased in $1 million increments, it can provide up to $10 million of coverage for qualifying businesses with covered claims — and it allows you to help protect your business from risks like large jury awards.  

Here are some other typical risks you can manage with an umbrella policy:

Exceeding limits of other policies

Injured Friend


An elderly customer is injured when she trips on frayed carpeting while visiting your business. Her medical costs are substantial — and exceed the limits of your liability policy.


An umbrella policy can help when the costs of a claim surpass the limit of your underlying liability policy.

Exceeding limits of commercial auto policy

Car Accident


Your employee causes a multi-vehicle accident while driving a company car to a business appointment. The combined medical and repair costs are higher than the limits of your commercial auto policy.


An umbrella policy can help with liabilities that exceed the limits of your underlying commercial auto policy.

Some popular business insurance options

Umbrella coverage is just one component in a full menu of business insurance options available from Farmers®. Your agent can also discuss available coverage options for other possible risks like:

Risk: Coverage:

A customer visiting your office is injured when she trips on a step in the hallway.


Business liability insurance can help with associated medical and legal costs, and damages resulting from lawsuits.


You lose your ability to generate business income while your shop is closed to repair fire damage.


Business property insurance can help when a covered event interrupts your company’s income.


A hacker gains access to your computer system and steals customers’ credit card information.


Cyber liability and data breach response insurance, can help with investigation, reputation management, contacting customers and more.

Farmers works to build strong customer relationships

Farmers has spent 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get a business umbrella quote. Whatever your insurance needs, a Farmers agent is ready to deliver personalized service and support.

You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

To learn more about what Farmers can do for your business, call an agent today.

How does umbrella insurance work for small business?

“If a customer slips and falls in your store and suffers a serious injury, a business liability policy may pay for legal and medical expenses associated with a lawsuit. Umbrella insurance can add liability protection if the injuries and/or damages are extensive.”

–Shelly Maby, Farmers Insurance, Phoenix, Arizona.

Read more about umbrella insurance for business.