Commercial Umbrella Insurance in Indiana
Extra Protection for What You’ve Built — Serving Danville, Brownsburg & Beyond
Business liability claims can quickly exceed standard policy limits — leaving your company exposed. That’s where commercial umbrella insurance steps in, offering an extra layer of protection over your existing general liability, commercial auto, or employer liability policies.
At Hadley Insurance, we help Indiana business owners stay secure with cost-effective umbrella coverage. Whether you operate in Danville, Brownsburg, or anywhere across Indiana, we’ll ensure your coverage keeps pace with your risks.
What Commercial Umbrella Insurance Covers
Think of it as safety net coverage — once your base policy limits are exhausted, your umbrella policy kicks in. Coverage includes:
- Excess Liability Protection – Adds coverage on top of general liability, auto liability, or employer’s liability.
- Legal Fees & Judgments – Helps pay attorney fees, court costs, or settlements from covered lawsuits.
- Third-Party Bodily Injury or Property Damage – For serious accidents exceeding your underlying policy limits.
- Catastrophic Loss Scenarios –
Especially valuable if your business is customer-facing or involves vehicles, property, or physical risk.
Who Needs Commercial Umbrella Insurance in Indiana?
Indiana small businesses are often under-covered when it comes to large or unexpected liability claims. This coverage is ideal for:
- Contractors and trades with job site liability exposure
- Businesses with vehicle fleets or commercial auto coverage
- Retail or hospitality companies with high foot traffic
- Any business that wants stronger protection for legal or injury claims
Local Liability Risks for Indiana Professionals
Local and regional risks often demand higher liability limits — and many business owners don’t realize the gap until it’s too late:
- Severe injury lawsuits from slip-and-falls or equipment accidents
- Multi-vehicle crashes involving commercial autos
- Large property damage to client or third-party assets
- Product or service liability claims that surpass standard policy caps
Frequently Asked Questions
Commercial Umbrella Insurance in Indiana
How does umbrella insurance work with my current business policy?
It sits on top of your existing liability coverage — extending limits after they’re exhausted, offering broader protection.
Is commercial umbrella insurance required in Indiana?
No, but it’s highly recommended for businesses with any risk of large-scale lawsuits or high-cost liability events.
Does umbrella insurance cover employee injuries?
No. It can expand employer’s liability, but workers' comp handles employee injuries. We recommend carrying both if needed.
Is it expensive?
Not typically. Because it only activates after other policies are maxed out, umbrella coverage is relatively affordable for the amount of protection it offers.
Can I bundle umbrella with general liability or BOP?
Yes! We can help you combine coverage with your GL, BOP, or auto to streamline protection and potentially lower premiums.
Go Beyond the Basics. Stay Protected.
Commercial Umbrella Insurance from Hadley Insurance in Indiana
Liability surprises happen — and when they do, you need coverage that goes further. We’re here to help you layer your protection and move forward with confidence.