Business Insurance

Commercial Umbrella
COMMERCIAL UMBRELLA COVERAGE provides liability coverage that supplements the limits of an insured's general liability, automobile liability and employers liability policies.

Umbrellas also protect insured’s from exclusions and gaps in their primary liability insurance. Covered causes of loss not normally included in primary policies are subject to a self-insured retention (SIR). The insured is responsible for paying any SIR that applies. SIR amounts of $10,000 or $25,000 are common. The umbrella policy coverage is triggered when the limits of the underlying insurance are exhausted or when a claim not covered by an underlying policy occurs. Any such loss that qualifies for coverage under the umbrella policy is subject to the insured first paying any applicable SIR.

provides insurance limits in excess of underlying general liability, automobile liability, employers liability and/or other scheduled liability policies. This policy has no unique forms and is strictly a following form policy. The coverage available in the underlying policies is also available in the excess policy, and exclusions in the underlying policies are also exclusions in the excess policy

contact us

Anchor Agency, Inc.
Pioneer Plaza
652 Albany Shaker Road
Albany, NY 12211

Phone - 518.730.3200
Fax - 518.730.3199
Email -
The Hartford