Umbrella/Business Catastrophe Liability (BCL) Insurance
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Business Umbrella or BCL coverage provides an additional layer of protection above and beyond the limits of the Commercial Auto and General Liability policies under your Business Insurance. High coverage limits provided by an Umbrella policy can be very important if you have significant assets to protect. The Umbrella policy protects you and your business against the financial burdens of a catastrophic claim, lawsuit or judgment. An Umbrella policy can be less expensive than merely raising the limits on each of the policies separately and sometimes can be issued in higher amounts than Commercial Auto and General Liability limits. Insurance companies require certain minimum levels of underlying coverage on your commercial auto and general liability policies before they will issue an Umbrella policy. If your business policy does not include commercial auto, some carriers will issue an umbrella policy excluding auto liability coverage.