Why Choose Highgate Insurance Services?

Whether you're new around here or just shopping for a better policy, our team of insurance experts is here to help you with all your insurance needs.

Get in touch with us today and see for yourself why we're a trusted source for insurance services.

Business Umbrella Insurance

A commercial umbrella policy protects you when a catastrophe results in losses that exceed your basic liability coverage.

In some cases, it can even broaden your protection.

For businesses with above-average risk exposure (high loss potential, high-profile, a global presence, etc.), higher coverage limits may be necessary.

In those cases, excess liability coverage can provide extra coverage above and beyond an umbrella policy.

• A customer falls down in your office, severely injuring themselves in the process. The costs of the injuries exceed the coverage of your general liability policy.
• An advertisement your business placed is deemed misleading, and subject to a class-action lawsuit that exceeds your primary business liability.

• An employee is injured while operating a piece of heavy equipment on the job. They sue the equipment manufacturer, who in turn sues you for an amount that exceeds your business liability coverage.