Umbrella

Recently, we covered the basics of commercial umbrella insurance: What is it, and is it right for your business? This month, we'll get into a few more details, and look at some of the instances in which commercial umbrella insurance might apply.
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All business owners in Alabama need solid, affordable insurance, and many companies require multiple types. But what happens when something goes wrong and your insurance doesn't cover it? If the cost to pay for injury to others exceeds your policy limits, or worse, is excluded by the insurance policies you have, you could be stuck with potentially crippling out-of-pocket costs.
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Sometimes, what appears to be an impenetrably solid roof above your head actually has little openings through which the rain can leak. The same is true of some car insurance and homeowner's insurance policies; they can appear to provide sufficient coverage, but, in the event of an accident of some sort, you may find yourself drowning in debt. To avoid getting soaked by surprising expenses, use an umbrella; umbrella insurance, that is.
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Chances are you already have a number of different insurance policies in place. It's almost inevitable, however, that even with all that protection, there are some cracks in your coverage. Umbrella insurance is designed to essentially seal those cracks, so that all your bases are covered. It will, metaphorically speaking, shield you from the storms that may come in the form of accidents and other unforeseen events that your existing policies aren't equipped to fully cover.
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