Extend Your Protection. Strengthen Your Business.
When a major claim exceeds the limits of your general liability, auto, or workers comp policy, commercial umbrella insurance steps in. It provides an extra layer of protection for your business when the unexpected becomes expensive. At Overacre Insurance Agency & Manteca Insurance & Financial Services, we help Idaho and California businesses add peace of mind to their policies—because protecting your business shouldn't stop at the basics.
Because one big claim shouldn’t mean starting over.
What does commercial umbrella insurance cover?
It adds additional liability coverage above your existing policies—like general liability, commercial auto, and employer’s liability (part of workers comp).
Who needs commercial umbrella insurance?
Businesses with high public interaction, employees driving company vehicles, or operations with higher liability risks should strongly consider it.
Does umbrella insurance cover everything?
No. It only increases limits on existing policies—it doesn’t replace them or cover new risks. We’ll help ensure your base coverage is in place first.
Is it expensive?
It’s surprisingly affordable for the level of protection it provides—especially compared to the cost of an uncovered lawsuit or settlement.
Added Protection for the Unexpected
Even businesses with solid coverage can face claims that go beyond what’s expected—like severe injury lawsuits or multi-party accidents. Umbrella insurance helps fill the gap so your business assets, savings, and future earnings stay protected.
We Make Coverage Simple, Not Scary
Our local agents will walk you through what your current policies cover and where additional coverage could help. Whether you’re in construction, hospitality, retail, or consulting, we’ll help you determine if an umbrella policy is a smart move for your risk level.