Commercial umbrella insurance throughout Southeastern Wisconsin, including Hartford, Slinger, Richfield, West Bend, Rubicon, Iron Ridge, Neosho, Hustisford, and Theresa.

Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We’ll work with you to find the right umbrella solution to cover all your business needs.

Commercial umbrella insurance is all about going one step further. It’s an added layer of protection that kicks in if the very worst happens with your business insurance policies.

Most business insurance policies–whether they cover commercial liability or commercial property–have a payout limit. Normally, your business would be on the hook for any expenses above and beyond this limit. This type of unexpected cost is something that could threaten the very survival of your business.

A commercial umbrella policy kicks in only if your main business insurance policy reaches the payout limit. At that time, the commercial umbrella policy would pay out the remaining costs.

For example, let’s say you have a liability insurance policy of $500,000 for your business, but you must pay damages of $700,000. If you have a commercial umbrella policy in place for your business, the liability insurance policy will pay out in full first, and then the umbrella policy will pick up the remaining $200,000.

The beauty of umbrella insurance is that, because there’s a relatively low chance it will need to pay out, it’s often considerably cheaper to purchase than you might expect.

Commercial umbrella insurance is a great way to further protect your assets. Reach out, and we’ll help you to determine if it’s right for your business.

Let’s discuss your commercial umbrella insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate commercial umbrella insurance solution. There’s no obligation, just good-old-fashioned advice.
  • This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverage's are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverage's are available in every state. Please contact our office at 800-414-5875 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone or send by fax. Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverage's pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors. Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.
  • This field is for validation purposes and should be left unchanged.

R.S. Semler & Associates Insurance, Inc. offers comprehensive commercial umbrella insurance throughout Southeastern Wisconsin, including Hartford, Slinger, Rubicon, Jackson, Richfield, Oconomowoc, West Bend, Iron Ridge, Horicon, Neosho, Germantown, Hubertus, Kewaskum, West Allis, Milwaukee, Menomonee Falls, Hartland, Allenton, Jackson, Hustisford and Ashippun.