Commercial Umbrella Insurance Provided By Our Agency



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Extend Your Business Protection With a Commercial Umbrella Policy in Arkansas

When your business faces a costly lawsuit or claim, your primary insurance might not be enough. That’s where a commercial umbrella policy comes in to help protect your future. At Sargent Insurance Agency, we offer Arkansas businesses peace of mind with added liability coverage that goes beyond the limits of standard policies.

Commercial umbrella insurance offers extra liability coverage when your existing business liability policies, like general liability, commercial auto, or employer’s liability, reach their limit. It fills the gap by covering the extra expenses from large claims that could otherwise drain your business finances.

Let’s say your business is found liable for $2 million in damages from a lawsuit, but your general liability insurance only covers $1 million. Without umbrella coverage, you’d be responsible for the remaining $1 million. With a commercial umbrella policy, that extra $1 million is covered. This helps you protect your assets, your team, and your reputation.

Even if you already have general liability insurance, certain situations can lead to claims that exceed your policy limits. Here are 5 scenarios where commercial umbrella insurance proves essential:

  • Customer Injury Claims – If a customer slips, falls, or gets injured on your property and sues for medical costs and damages.
  • Auto Accidents Involving Employees – If an employee causes a major accident while driving a company vehicle.
  • Product Liability Claims – If a product you sell or make causes injury or damage.
  • Lawsuits Against Business Decisions – If your business is sued over actions or decisions made by your executives or board members.
  • Third-Party Property Damage – If your operations accidentally damage someone else’s property and costs exceed your current policy.

  • Bodily injury liability
  • Property damage liability
  • Legal fees and court costs
  • Judgments and settlements

Protecting What You've Built – Affordably

The cost of a commercial umbrella policy is surprisingly reasonable, especially when compared to the financial risks it helps you avoid. Premiums depend on your industry, number of employees, and coverage limits. For many Arkansas businesses, it’s a small price for big peace of mind.

Get Local Expertise You Can Rely On

At Sargent Insurance Agency, we’re not just here to sell you a policy. We want to ensure your business has the right kind of protection tailored to your needs, risks, and future goals. We take the time to explain your options and guide you in making informed, confident decisions.

Protecting what matters most starts with a conversation

Whether you’re looking for new coverage, updating your current plan, or have a few questions, we’re here for you. No pressure. No hassle. Just honest, friendly advice from a team that’s always nearby. Call us today or ask for a callback. We’re right down the road and ready to help.

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