The truth is, every business owner is vulnerable to a major catastrophe or a huge lawsuit. If your business suffered one of these, the losses could exceed your primary insurance coverage if you haven't protected your business with a Commercial Umbrella insurance policy.

Umbrella insurance policies provide additional liability insurance coverage after the limits of your underlying policy are reached. It's important because it covers unsuspected events. The good news is that it's inexpensive and in certain instances, it could literally save your business.

For example, several people are hurt on your property and require $1.75 million in medical treatment. Your underlying policy has a liability limit of $1 million. At this point you either have to pay $750,000 out of pocket (if you're found liable) or, if you have umbrella insurance, that policy will cover the additional $750,000.

Umbrella policies are the safest and, when executed correctly, most affordable way to ensure you are covered.

For more information or to get a Commercial Umbrella insurance quote, call 916-739-8989.

Jack Chew & Co. Insurance has over 60 years of experience helping families and businesses in Sacramento, Elk Grove, Roseville, Natomas, Citrus Heights, Carmichael, Vacaville, Stockton and Modesto. As California insurance brokers, we are confident that we can find the best combination of price, coverage and service to meet all your insurance needs.