INSURANCE FOR
BUSINESS STRATEGIES FOR
What Business Umbrella Insurance Protects
When a claim exceeds the limits of your primary policies, a Business Umbrella policy steps in to protect your:
✓ Business assets
✓ Future earnings
✓ Cash flow
✓ Leadership & reputation
✓ Long-term operations
Business Umbrella typically covers:
Excess Liability
Adds additional limit above your General Liability, Business Auto, and Employer’s Liability policies.
Catastrophic Injuries
When severe injuries lead to multi-million-dollar settlements, Umbrella coverage helps protect your business from financial ruin
Large Lawsuits & Judgments
If court awards exceed your underlying policy limits, Umbrella absorbs the excess amount
Legal Defense & Attorney Fees
Coverage for legal costs associated with high-exposure claims and extended litigation
Note: A Business Umbrella policy works on top of existing liability policies. It does not replace your primary coverage—but it protects you from worst-case scenarios that could otherwise close your doors.
Why Business Umbrella Insurance Isn’t Optional
Even well-run businesses face unexpected events. A slip-and-fall, auto accident, or workplace injury can result in:
Multi-million-dollar medical bills
Long-term disability claims
Court-ordered judgments
Attorney fees and settlement demands
Vendors, lenders, property managers, and contracts frequently require proof of higher liability limits before:
Starting large projects
Signing leases or vendor agreements
Bidding on contracts
Bringing on subcontractors
Most standard liability limits are not enough to fully protect a business from today’s legal and financial exposure. A Business Umbrella policy fills that gap—and protects the business you’ve worked hard to build.
How We Match You With the Right Policy
Every carrier evaluates risk differently. We guide you through:
Industry classification
Employee exposure
Risk factors
Operations and service areas
Contract requirements
Loss history
Coverage limits and endorsements
Then we shop multiple top-rated carriers to compare pricing and coverage options.
As CEPA-informed advisors, we also ensure your liability structure supports your broader business goals, cash flow, and long-term value.
Why Businesses Trust Wasatch Preferred
Fast Certificates
COIs delivered quickly so you never miss a job or delay operations.
Competitive Carrier Access
We represent top carriers across Utah, giving you more choice and stronger options.
Clear Guidance
We simplify the process so you understand your policy—and your protection.
Strategic Insight
Insurance isn’t just a requirement—it’s a financial safeguard. We help ensure your coverage aligns with your business performance and future goals.
Get a General Liability Quote
Whether you’ve had coverage for years or are getting your first policy, we make the
process simple and fast.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.
License information is available upon request and varies by state.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.