Smith Insurance Agency of West Virginia is proud to serve Kingwood, WV and the surrounding area. You can count on us if you own a business and have questions about umbrella insurance. Contact our office today to set up an appointment.

Umbrella insurance is an effective way to protect your company from liability risk. 

Liability protection is important for all types of companies. If you own a company that has been increasingly growing, it’s probably time to take a close look at your liability protection. Without adequate liability coverage, the company can be held financially responsible. And depending on the structure of the business, the owners and principals could also carry some personal liability.

Umbrella insurance comes into play if your primary property insurance policy is exhausted. The firm’s direct insurance will be accessed when a company suffers a significant loss and is held liable, typically due to a lawsuit. If the damage is to such an extent that the primary policy limits are reached and exceeded, the umbrella policy will come into effect. 

Without this protection, a company’s future viability can be at risk. Now is an ideal time to meet with a local insurance professional to learn more about how an umbrella insurance policy can provide your company’s additional liability protection. Don’t wait until your primary policy is exhausted to add this vital policy type to your company’s insurance portfolio. 

We look forward to working with you!

Business owners in Kingwood, WV, and the surrounding area can rely on the team at Smith Insurance Agency of West Virginia for all of their commercial insurance needs. Call us today and schedule a consultation if you have questions about umbrella insurance.