Running a business means planning for the unexpected. Even with strong primary insurance policies in place, such as general liability, commercial auto, or workers’ compensation, one major claim can exceed your coverage limits and put your business at risk. That’s where commercial umbrella insurance comes in.

At Senica Insurance, we help businesses in Stevens Point, Appleton, and throughout Wisconsin add an extra layer of financial protection so they can operate with confidence. A commercial umbrella policy extends your existing coverage, providing broader protection at an affordable cost.

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What Is Commercial Umbrella Insurance?

Commercial umbrella insurance provides additional liability coverage beyond what’s included in your underlying business policies. If a claim exceeds your primary policy limits, your umbrella coverage steps in to cover the remaining costs,  helping protect your business from major lawsuits, settlements, or catastrophic events.

This type of coverage is essential for small and mid-sized Wisconsin businesses that interact with the public, use company vehicles, work on job sites, or operate in high-risk industries.

How Commercial Umbrella Coverage Helps Your Business

Umbrella insurance can protect you in situations where your existing policy limits are not enough. Your coverage can include (and improve upon) the protections listed below:

Your umbrella policy could help in situations like:

  • A costly lawsuit resulting from a customer injury at your workplace
  • A commercial vehicle accident that causes extensive property damage
  • A claim involving bodily injury or property damage that exceeds your general liability limits
  • Legal expenses or settlements that surpass your underlying policy limits

These high-severity incidents can bring unexpected financial strain,  but an umbrella policy adds cushion and stability to your business protection plan.

What Does a Commercial Umbrella Policy Cover?

This coverage is designed to extend the limits of several of your existing policies, including:

Your policy can help safeguard:

  • General Liability Insurance – Helps cover large liability claims related to injuries or property damage.
  • Commercial Auto Insurance – Provides extra protection for accidents involving business-owned vehicles.
  • Workers’ Compensation (in certain excess liability situations) – May apply when severe injury claims exceed employer liability limits.
  • Employer’s Liability – Protects your business from lawsuits filed by employees for workplace-related injuries not covered by workers’ comp.

Umbrella coverage does not replace primary policies — instead, it enhances them, making sure your business is protected when significant claims arise.

Why Wisconsin Businesses Choose Senica Insurance

Senica Insurance works closely with business owners in Stevens Point, Appleton, and across Wisconsin to tailor umbrella policies that match their industry, risk level, and coverage needs.

Businesses trust us because we offer:

  • Local experience and understanding of Wisconsin’s unique liability risks
  • Access to multiple insurance carriers to compare coverage and pricing
  • Personal guidance from agents who help you understand your exposure and policy limits
  • Full business insurance solutions, including general liability, commercial auto, workers’ comp, and property insurance

Whether you’re a contractor, retail shop, manufacturer, service provider, or professional office, we help you determine if a commercial umbrella policy is right for you and how much additional coverage you need.

Common Questions About Commercial Umbrella Insurance

Is commercial umbrella insurance required in Wisconsin?
 No — but many businesses choose it to reduce risk exposure, especially when they work with the public or operate vehicles.

How much umbrella coverage do I need?
 Many small businesses choose between $1–$5 million in additional coverage, depending on their risks, contracts, or industry requirements.

Does umbrella insurance cover professional liability?
 Typically no. Professional liability (E&O) requires its own policy.

Is umbrella coverage expensive?
 Umbrella coverage is one of the most affordable ways to significantly increase your protection, especially compared to the cost of primary policy limits.

Request a Commercial Umbrella Insurance Quote

A single major claim could impact your business for years, but commercial umbrella insurance helps keep your future secure. Whether your business is located in Stevens Point, Appleton, or anywhere across Wisconsin, our team can help you find the right level of extended protection.

Request your quote today and safeguard your business with added peace of mind.