top of page

Commercial Umbrella Insurance

The additional protection you need for your business

la note moyenne est 4.7 sur 5, d'après 10001 votes, + Happy Clients

What is Commercial Umbrella Insurance?


When you have a claim that exceeds the limits of your current policy, umbrella insurance provides extra coverage to protect your business and assets from financial risk. At PeoplesAlly, umbrella insurance is available with existing liability policies.


Keep in mind that umbrella insurance can only be applied to a claim if two things happen:


1. You already have the appropriate underlying policy.

For example, if you have general liability with an umbrella policy but you don't have commercial auto insurance, then your umbrella policy only covers those items covered by general liability.


2. The limits of that policy have been reached.

An umbrella policy helps cover costs associated with:

  • Bodily injury and related medical expenses

  • Product liability

  • Customer property damage

  • Libel, slander, and copyright infringement

  • Defending against a lawsuit

Why Do I Need Commercial Umbrella Insurance?

While not generally required, an umbrella policy gives you even more peace of mind. Just as an umbrella protects you from the rain, a small business umbrella insurance policy protects you from expensive claims that fall outside the coverage limits of your other small business insurance policies. Plus, adding umbrella insurance may cost less than increasing the limits of your general liability or commercial auto insurance.

Advantages of Having Commercial Umbrella Insurance

At PeoplesAlly, we've ditched the traditional insurance model in favor of selling our products directly to you online or over the phone. And that means we make it easy to get the umbrella policy you need to pay for damages above and beyond the amounts covered by your existing policies. It's faster, more convenient, saves you up to 20% compared to other companies.

Yoga by the Ocean

Peace of Mind

An umbrella policy lets you sleep well at night knowing that you have that extra layer of protection.

Image by Bill Oxford

Avoid Legal Battles

While not a full proof way to remove legal issues, at least you know you have the financial firepower.

Credit Assessment

Cost Effective

Most umbrella policies are so cheap that the premium is a rounding error compared to the amount insured.

What Does Commercial Umbrella Insurance Usually Cost?

On average, the first $1 million of umbrella insurance will cost your small business between $200 and $400 per year. At PeoplesAlly, our small business customers have access to low down payments through our online system. Submitting claims can also be done entirely online—no more waiting days or weeks for a claim to go through.

We specialize in offering popular insurance products for the new industry norm given the 2020 pandemic.

Contact us now to talk to a professional.

We Are Insurance Experts

We have over 10,000 satisfied customers and 30+ years of insurance experience. We have seen it all and can get you the best package for your needs.

People Inside Taxi

Best Value

at Cheapest Rate

We get you the best value for your dollar on all insurance products. No hidden costs and no surprises. 

People During Workshop

No Hassle

3-Minute Quote

We don't hassle you with pushy sales pitches. Fill out our one pager quote sheet in far less time than others.

Business People in Meeting

Anonymous Quotes

No Spam

We only require some basic info for a generic quote. No need to provide sensitive information and no spam.

Providing People with Protection Everywhere

PeoplesAlly is trusted by thousands of businesses no matter what size. We can help you meet your insurance needs in any industry or line of business.

Select an industry:


There are many kinds of insurance out there, but as an accounting & finance business owner, you have very unique needs. At PeoplesAlly, we’ll help you understand what kind of insurance is best for you. Just fill out a simple form online or speak with one of our licensed insurance experts to get a free quote. Plus, with PeoplesAlly, you can purchase a policy, manage it, and submit claims online for ultimate convenience.


“The PeoplesAlly team is extremely knowledgeable and will work hard to find you the best quality and price available. Very professional, no bait and switch, and will give you the bottom line even if it means losing you as a customer. I appreciate honesty rather than sleazy sales people.  

—  Samantha D

Learn More

Find out more about what makes us a great company. Learn the basics of various insurance policies we offer. Keep up with the latest news and resources.


Answers to all of your questions about insurance products and the pros and cons of each.


Reference Articles

View our latest insurance articles and find resources to help you figure out  steps along the way.


About Us

Find out more about our company and read about how we standout above and beyond.

bottom of page