Running a business comes with risks—some bigger than your standard insurance can cover. That’s where commercial umbrella insurance comes in. Think of it as a financial safety net that kicks in when your primary liability policies max out.
Whether you’re facing a major lawsuit, an expensive accident, or a high-cost settlement, this extra coverage ensures you're not left footing the bill.
At G&G Independent Insurance, we help Arkansas businesses get affordable umbrella protection tailored to their specific needs.
What Is Commercial Umbrella Insurance?
Commercial umbrella insurance extends the coverage of your existing liability policies, such as:
- General Liability Insurance
- Commercial Auto Insurance
- Employer’s Liability
- Professional Liability (in some cases)
If a claim exceeds your policy limits, your umbrella coverage fills the gap, protecting your business assets, reputation, and future.
When Should Arkansas Businesses Consider Umbrella Coverage?
You should strongly consider umbrella insurance if:
- Your business owns vehicles or property
- You operate in higher-risk industries (like construction or events)
- You have frequent customer or public interaction
- Your company has valuable assets to protect
- You want extra protection from large-scale lawsuits
From Little Rock contractors to Fayetteville restaurant owners, umbrella insurance is smart coverage for any business that wants peace of mind.
What Our Customers Say
What Can Umbrella Insurance Extend?
General Liability
Protects against claims for bodily injury, property damage, and legal expenses. Umbrella coverage kicks in when your base policy limit is reached.
Commercial Auto
Covers high-cost accidents involving company vehicles. Helpful for fleets or businesses with frequent driving.
Employer’s Liability
Covers employee injury claims not handled by workers' comp. Especially valuable for businesses in physical or hazardous environments.
Professional Liability (Sometimes)
Adds extra coverage to E&O insurance for professional services. Check with your G&G insurance agent to confirm availability.
Benefits of Commercial Umbrella Insurance in Arkansas
- Higher liability limits without raising base policy costs
- Covers multiple policies under one umbrella
- Helps you avoid devastating legal and settlement costs
- Provides peace of mind in high-risk industries
Backed by G&G’s access to 50+ top-rated carriers
Customized Umbrella Coverage for Arkansas Businesses
At G&G Independent Insurance, we don’t believe in one-size-fits-all coverage. We work with:
- Contractors in Fort Smith
- Retail shops in Pine Bluff
- Professional firms in Bentonville
- Hospitality and event services across Arkansas
We analyze your existing policies, assess risk exposures, and match you with umbrella insurance that fills coverage gaps—affordably and effectively.
Explore all our Arkansas business insurance solutions to see how umbrella insurance fits into your complete protection strategy.
Why Choose G&G for Boat Insurance in Arkansas?
When it comes to protecting your boat, local expertise matters. At G&G Independent Insurance, we’re proud to serve Arkansas boaters with personalized support tailored to your unique needs. Our team understands the ins and outs of Arkansas waterways and boating culture, so you get coverage that fits just right.
With access to over 50 top insurance providers, we shop around to find you the best boat insurance coverage Arkansas has to offer — all at competitive rates. Plus, our fast, free quotes mean you won’t be left waiting when you need answers. Trust G&G to protect your time on the water with friendly, hassle-free service.
Frequently Asked Questions
What’s the minimum underlying coverage required?
Most umbrella insurers require your base policies (like general liability) to have limits between $300,000 and $1 million. We’ll help ensure your coverage meets those requirements.
Does umbrella insurance cover employee lawsuits?
It may extend to some employer’s liability claims, but not workers’ compensation. Check your policy details with a G&G agent.
Is umbrella insurance just for large companies?
Not at all. Even small businesses can face million-dollar lawsuits. Umbrella insurance is a smart way to protect your future.
How much does it cost?
It depends on your industry, business size, and desired limits. We shop from 50+ carriers to get you the best rate.
Can I bundle umbrella insurance with other policies?
Yes! Bundling can save you money and simplify your coverage. Ask us how.
Protect Your Arkansas Business with Confidence
Don’t let a single lawsuit put your business at risk. As a trusted independent insurance agency in Arkansas, G&G Independent Insurance offers affordable, tailored commercial umbrella protection—rain or shine.
Request a Quote Today or contact us for one-on-one support with our licensed insurance advisor.
