Rainy-day litigation protection.

David G. Sayles Insurance
Your Trusted Insurance Partner

Fill in Coverage Gaps with Commercial Umbrella Insurance

Today’s litigious environment has more businesses moving towards stronger risk management practices to protect against the financial burden a potential lawsuit can bring. An integral component of risk management is having a total insurance solution that includes a well-crafted commercial umbrella policy. Commercial umbrella insurance is designed to respond when a loss goes beyond the coverage available in primary business liability policies. This can easily happen with large jury awards.

Supplementing Your Coverage

David G. Sayles Insurance Services provides small and midsize businesses throughout New Jersey with commercial umbrella insurance that will respond in an environment where high-exposure liability claims are common and can jeopardize the financial health of an operation. The policy provides an extra layer of security, offering additional coverage for costs associated with lawsuits, legal fees and settlements.

For example, let’s say you have a premises liability claim that results in a $2 million settlement. Your general liability insurance has a limit of $1 million to cover the loss. Your out-of-out-pocket costs would then be $1 million. With a $3 million commercial umbrella policy, the remaining $1 million owed on the settlement would be paid. Your assets would not be affected.

We will be happy to review your primary liability policies and discuss how a commercial umbrella policy can supplement the coverage you already have.

We also offer package policies, including Business Owners Policies and Commercial Package Policies, and will be happy to review and determine which is right for your company and industry sector. Our current clients
include importers & exporters, wineries &
breweries, manufacturers, and non-profits, to
name a few.


We’re always
accountable to you.

Let David Sayles Insurance Services help you with your insurance program. Our unique talented and experienced team of professionals is ready to provide you with the service you deserve and the insurance you need. Give us a call at 800-439-0292 to go over your specific needs.