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HomeCommercial Umbrella Insurance in Massachusetts

Commercial Umbrella Insurance

Commercial Umbrella Insurance Massachusetts
Protection Beyond Your Current Policies

In Massachusetts, a state known for its rich historical roots and vibrant entrepreneurial spirit, businesses face a myriad of challenges every day. From bustling Boston streets to the quiet corners of the Berkshires, every establishment, big or small, is constantly pushing boundaries and breaking new ground. But with great opportunities come inherent risks. Even the most meticulous business owners might find themselves confronting liabilities that are beyond the limits of their standard insurance policies. This is especially true in today’s rapidly changing business environment where a single unfortunate event can lead to substantial financial repercussions. Commercial Umbrella Insurance offers a safety net, ensuring that your business continues to thrive, even when faced with unexpected, high-cost liabilities.

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Commercial Umbrella Insurance in Massachusetts

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Commercial Umbrella Insurance in Massachusetts

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Umbrella Insurance

Lopriore Insurance Agency

Commercial Umbrella Insurance in Massachusetts

Navigating the complexities of Commercial Umbrella Insurance requires a partner with both depth of knowledge and a commitment to your business’s unique needs. At LoPriore Insurance Agency, we make insurance easy for you and pride ourselves on bringing both to the table. With years of experience in the Massachusetts insurance landscape, our team of dedicated insurance professionals stands ready to guide you through Commercial Umbrella Insurance coverage. We’re not just here to provide a policy; we’re here to ensure you understand why this coverage is important. Our simple approach is driven by a group of seasoned insurance professionals, which ensures that your business is protected from unforeseen liabilities while allowing you to focus on what you do best – running your enterprise. With LoPriore, you’re not just getting coverage; you’re gaining a partner invested in your success.

Understanding the Importance of
Commercial Umbrella Insurance

A personal umbrella insurance policy protects you from large liability claims that could be financially devastating. The policy allows you to choose the limits you need to cover gaps in your standard insurance policies and provide protection against personal injury. 

What is It?

Commercial Umbrella Insurance provides an additional layer of liability protection by covering costs that exceed your primary insurance limits. Think of it as a safety net that catches the claims that surpass your existing coverage amounts.

Why Do I Need It?
  1. Increasing Litigation: In today's litigious society, businesses face high-profile lawsuits that can lead to claims exceeding millions.

  2. Gaps in Coverage: Standard policies might have exclusions or gaps that an umbrella policy can address.

  3. Protecting Assets: Ensure that your business assets and future earnings are shielded from unexpected liability claims.

Who Is It For?

Any business, irrespective of its size, that faces potential risks beyond their primary policy limits should consider umbrella insurance. This includes:

  • Businesses with significant public exposure, like restaurants, retail stores, and hotels.

  • Companies that possess valuable assets that could be at risk in the event of a significant claim.

  • Organizations that conduct operations that could lead to substantial liability claims.

How Much Does Commercial Umbrella Policies Cost?

For many small to medium-sized businesses, annual premiums for commercial umbrella policies might range from $750 to $5,000. Larger corporations or those in high-risk industries can expect to pay much more, potentially even tens of thousands annually.

Commercial umbrella insurance is an indispensable asset for businesses operating in today’s litigious environment. While primary liability policies offer a foundational layer of protection, they often aren’t sufficient to cover substantial claims that can arise in the course of doing business. Enter commercial umbrella insurance—a safety net that stands ready to cover the gaps, ensuring that businesses don’t find themselves financially vulnerable in the face of unexpected major liabilities. For any enterprise, big or small, it’s an investment in peace of mind, fortifying the company’s defenses against unforeseen setbacks.


Commercial Umbrella

Factors That Affect the Cost of a Commercial Umbrella Policy

The cost of a commercial umbrella insurance policy can be influenced by a variety of factors. Understanding these can help businesses anticipate their premium rates and possibly make adjustments to optimize their coverage costs.

Business Size

Larger businesses with more employees or higher revenues might face increased premiums as their operational scale presents a larger exposure to potential risks.

Business Type

Industries with higher risk profiles, such as construction or chemical manufacturing, will generally face higher premiums due to the increased likelihood of large liability claims.

Claims History

 Businesses with a history of frequent or high-cost claims might be seen as riskier, leading to higher premium rates. Conversely, a clean claims history can lead to discounts.

Coverage Limits

The higher the limit on the umbrella policy itself, the higher the premium will be.

It’s important to work with an experienced insurance agent or broker to understand the specific costs for your business. Also reviewing and adjusting coverage as the business evolves can help ensure you’re getting the best value.

What Commercial Umbrella Insurance Covers

A commercial umbrella policy is designed to provide an extra layer of liability protection by covering costs that go beyond the limits of certain primary business insurance policies. Here’s what a commercial umbrella policy typically covers:

Overages on Underlying Policies
When the limits of other liability policies, such as general liability or auto liability, are exhausted, a commercial umbrella policy kicks in.
Lawsuits and Legal Fees
Covers legal defense costs, settlements, and judgments awarded in lawsuits. This can include attorney fees, court costs, and other related charges.
Personal Injury Claims
Covers claims like libel, slander, wrongful eviction, or invasion of privacy.
Bodily Injury and Property Damage
Provides protection if your business is found responsible for causing harm to a person or damaging property.
Certain Off-Premises Incidents
Covers certain incidents that happen away from your primary place of business.
Coverage Extensions
Some umbrella policies might offer broader coverage than the underlying policies, covering certain claims that primary policies might not.
Worldwide Coverage
If an incident occurs outside of your primary policy’s coverage territory, some umbrella policies can provide coverage worldwide.
Coverage Gaps
If there's a lapse in your primary liability coverage, some umbrella policies can fill this coverage gap.

However, it’s crucial to note that commercial umbrella insurance doesn’t cover everything. Typically, professional liabilities, workers’ compensation claims, and property damage (to your own property) are not covered. It’s essential to read the policy and work with an insurance agent to understand the specifics of what’s covered and what’s not.

Protect Beyond Your Limits
Get Your Commercial Umbrella Insurance Quote Now!

Protect Beyond Your Limits Get Your Commercial Umbrella Insurance Quote Now!

Unexpected liabilities can challenge even the most robust businesses. Don’t let unforeseen costs catch you off guard. Dive deeper into security with Commercial Umbrella Insurance. Click to get a tailored quote and ensure your business stands strong against any storm.

What Are the Eligibility Requirements for
Commercial Umbrella Insurance

Commercial umbrella insurance is designed to provide an additional layer of liability protection for businesses beyond the limits of their primary policies. While exact eligibility requirements can vary by insurance carrier, region, and type of business, the following are some common eligibility requirements and considerations for obtaining a commercial umbrella policy

Commercial Umbrella Insurance
Primary Underlying Insurance
Before obtaining an umbrella policy, businesses typically must have primary liability policies in place, such as general liability, auto liability, and employer's liability. The umbrella policy would then extend beyond these limits.
Underlying Policy Limits
Many insurers require businesses to maintain certain minimum limits on their underlying policies before they qualify for an umbrella policy. These limits can vary based on the insurer and the nature of the business.
Business Type & Risk Exposure
The nature of the business can impact eligibility. For instance, some high-risk industries might face stricter eligibility criteria or might need specialized umbrella policies.
Claims History
Insurers may review the business's claims history. A history of frequent claims might affect eligibility or result in higher premiums.
Business Operational Practices
Businesses that demonstrate strong safety and risk management practices might find it easier to qualify and possibly secure better premium rates.
Location of Operations
If a business operates in multiple states or countries, this can affect eligibility due to varying regulations and risk exposures.
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Commercial Umbrella Insurance in Massachusetts

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Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

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Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Commercial Umbrella Insurance FAQs

When there is a liability suit against you, the commercial umbrella extends those limits to cover the additional costs. This means your total commercial liability coverage is the sum of both limits.

Your personal umbrella policy will not cover liabilities related to your commercial activities. If you own a business, you would still benefit greatly from a commercial umbrella policy.

When things are running smoothly, paying a premium for commercial umbrella insurance might feel like spending money on something you aren’t using. However, the costs of medical payments and legal fees associated with an unexpected liability lawsuit can be significant enough to result in serious loss or even bankrupt your business. Having substantial coverage prepares you for unexpected events and even keeps you in business if disaster strikes.

If your vehicle is covered by commercial auto insurance, your commercial umbrella policy can extend that liability coverage. However, if you’re driving your personal vehicle, your commercial umbrella policy will not provide coverage.

Commercial umbrella coverage limits range from $1Million to beyond $100Million. The amount required by each business may vary widely. Our independent agents can help you decide how much coverage you need by determining related factors including:

• Risks you may face
• Value of your assets
• The potential loss of future income

Extra Coverage, Extra Peace of Mind

Why risk it? Secure your assets and peace of mind against life’s unexpected turns. Fill out the form below for a free, no-strings-attached quote. It’s time to play it safe – your safety net is just a click away!

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Commercial Umbrella Insurance in Massachusetts
Commercial Umbrella Insurance in Massachusetts
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Richard was excellent - very helpful in helping us find the best possible BOP for our Condo with Quincy Insurance. Thank you!
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Brian Burgess was super easy to work with, and I was able to get a great policy without too much of a change in my premium, even though I went from a 13 year old car to a brand new car.
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Tithi Dutta Roy
Maria was a professional, courteous, and efficient agent. Within a week of initially contacting her, I received quotes, had all my questions answered, had my policies written, and she notified my previous carrier of cancelation. It was a pleasure working with her.
Chad Laliberte
Chad Laliberte
Fast, accurate, responsive, and knowledgeable!
Lynn Thomas
Lynn Thomas
Honest, straightforward service for commercial and personal insurance lines. I’m a satisfied , long time customer
Ramana Lagemann
Ramana Lagemann
They have always treated us well and do a great job with our policies. They are always available if you have questions or concerns.
Great experience! We have two units in a duplex. I was looking for a company that provides master insurance. The prices are much more reasonable than the company we used to work with.Quick responses. I’m happy I found them.
Nina Fine
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I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Raquel Salois'
Raquel Salois'
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Saved my HOA $1,500/year with much more coverage than our previous insurance agent. Tentative & informative.
Elisa Balboni
Elisa Balboni
Best insurance experience ever. Thank you Brian.
Elena EVNV
Elena EVNV
I did some hunting online to obtain an auto insurance quote and I couldn't be happier with what Maria did for me. First, I loved that LoPriore had an option where I could simply upload my existing policy to obtain a quote. Next, Maria was so efficient in getting back to me. Then with her knowledge of insurance and her companies to choose from, and this is NOT an exaggeration: saved me thousands!! Maria had such sincere empathy for the high premiums we were facing, she went above and beyond to find us a great solution. This experience has truly renewed my faith that there IS indeed personalized customer service still alive and thriving out there. I am so pleased to have found a new insurance agency that I had only online reviews to go by at the start, and that I can without hesitation fully recommend! Do not give it a second thought. Move your policies here.
Kathy I
Kathy I
Just switched to LoPriore Ins. Agency. Got a better price from previous agency. Seems like better coverage so far so good
Stan Mills
Stan Mills
From the moment I was in contact with LoPriore agent I felt comfortable and secure that I been connected to someone I felt secure speaking with. Made my transition smooth and easy. Thank you!
It has been absolute pleasure working with Richard M. and the team at LoPriore Insurance. For years we did the direct route with homeowners and auto insurance thinking it would be easier and save us money. In beginning of 2022 we converted our multifamily home into condos and couldn't find any agent or companies willing to work with such a small HOA. I contacted Richard in a state of frustration and confusion and within a couple of hours he provided me with options and pricing. I was shocked at his ability to make the process look so easy compared to others I had been in contact with. Since then, we've also switched our primary residence and auto over their agency and Richard was able to get us better policies at a cheaper price! Our days of trying to go direct are behind us - I'm so relieved to have a dependable contact who can eliminate the confusion on such an important topic. Thank you, Richard, for your guidance and expertise!
Johanna Teahan
Johanna Teahan
LoPriore Insurance Agency is the best agency around. They are on top of things and get you the best prices. John & Rich are amazing. Always willing to go above and beyond to help me out.
Diana Reilly
Diana Reilly
The staff at LoPriore Insurance are second to none! Friendly, quick and knowledgable responses whenever information is needed. We have been a customer for over a decade and I know our business is in great hands with LoPriore Insurance Agency!
Judith Halloran
Judith Halloran
Best insurance company i ever worked with by far. Adam Griffin is really amazing and easy to work with.
avi golani
avi golani
Business matters are taken care of professionally, with great courtesy and thoroughness. All staff respond to questions as best they can or refer you to other staff as needed. All businesses should strive to be as well run.
Joe Smith
Joe Smith
Amazing service especially during these trying times! Made the process seamless and quick! John and Danielle were both great to work with! I highly recommend.
It's all about the service baby!
Lopriore Insurance is the type of agency that shops around for you (the client) getting the best rate and most important, they get you the right coverage.
Recently, I had my families commercial property switched over from another local agency, saving us over 3k with a bunch of extra bells & whistles we didn't even ask for (who does that). This kind of service has me telling my family and friends to support them because of all they do.
Mike Moccia
Mike Moccia
I have appreciated all the help I’ve gotten, especially from Danielle! She always answered my phone calls and emails promptly and streamlined the process of getting multiple policies in place for us!
Wendy Vaughan
Wendy Vaughan
We have been working with LoPriore Insurance Agency for many years for our auto, personal and business insurance policies. Being a small business owner, it's nice to know that if any issues arise, it only takes a quick phone call to have someone help address it. We always feel that we are in good hands with John and his amazing team!
Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.
John and his team are the best.
I use them for all my insurance needs, auto, home and business.
Companies that I work with are always impressed on how quickly they respond to all our insurance needs.

Try LoPriore insurance, you will not be disappointed
John R. Micieli
John R. Micieli
I send all my clients to LoPriore Insurance, I have received nothing but positive feedback both on price and service ! Keep up the great work John,Maria and Co.
Peter Camplin
Peter Camplin
I couldnt imagine doing my insurance anywhere else! Theyre the best!
I got into an accident a little over a month ago. My agent Danielle was very helpful. She was always able to answer my questions, if I couldn't reach anyone from safety she was able to contact them and have them get back to me right away. When I had to go to the office and do paperwork work all of the employees were very nice and helpful. I highly recommend this agency.
Kristy Marie
Kristy Marie
I have met many people in the Insurance industry, over my career of transacting Real Estate, and as a Broker/Owner of a firm. None, have made themselves so invaluable that I call them first without question, except for Lopriore. They offer consistently great service and rates, and help my clients with timely advice.

I trust them with my most valuable assets -- my clients, and my reputation.

Thank you for helping my clients, and my business!

Sean Callahan - Broker/Owner Callahan Real Estate
Sean Callahan
Sean Callahan
5 stars!! A family member of mine suggested that I call there insurance guy John at LoPriore Insurance to get a better quote on my current insurance. When I called John he was very easy to work with and extremely helpful. I couldn't be happier with how easy and fast it was to get a quote of my current policy which included a renters policy and it was all offered for $1200 less per year. After years of being insured by another insurance agency I always thought all prices were the same buying from insurance agencies.
To my surprise this wasn't the case and I can't be happier I was referred to the insurance guy!! I Also want to thank Maria at insurance office that made it simple to transfer and sign up with my new insurance. I literally did this all thru my iPhone and signed my paperwork via my phone which made the change so simple. I highly recommend you contacting them and seeing what they offer you!
Angela Bognanno
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