Commercial Umbrella Insurance Small and mid-sized businesses (under 500 employees) have a one in five chance of facing employment charges with an average cost to defend of $125,000.* While commercial liability coverage has you covered in most instances, there are times when a more serious situation could arise. For cases such as these, commercial umbrella insurance picks up where other policies leave off, protecting your business when your other liability insurance policies won't cover all of the expenses for property damage or bodily injury.Commercial umbrella coverage increases the limits your business has in its current liability policies and expands coverage for accidents and incidents your other policies may not cover. Commercial umbrella policies can be tailored to fit your business’ needs, including expanding coverage for specific liabilities your line of work may need.*“What Are Chances a U.S Business Will Face an Employee Lawsuit?” Insurance Journal. October 2015.