Just like with personal liability umbrellas and excess liability policies, commercial liability umbrellas and excess liability policies work very much the same way. The whole purpose is to limit the amount of money you are responsible in the event you are found liable for a claim. Umbrellas and excess policies can cover legal expenses, damages and injuries. It’s extremely important to make sure that your risks as a business owner are mitigated to the maximum extent possible.
Texas Independent Insurance & Risk Management 