Commercial Umbrella Insurance is a “backup plan” for your existing liability policies. When a large claim or lawsuit exhausts the limits on your general liability , commercial auto , or employers’ liability coverage , an umbrella policy kicks in to keep paying—often in million-dollar increments. That added cushion helps you avoid paying out of pocket for legal judgments, medical bills , property damage , or defense costs.

Rising verdicts: Arizona juries routinely return multi-million-dollar awards that can outstrip standard policy limits. Tourism & foot traffic: Popular destinations bring a steady flow of visitors—and heightened slip-and-fall or auto liability risk. Severe weather events : Monsoon storms can trigger chain-reaction accidents and property damage claims. Contract requirements: Landlords, vendors, and municipal bids increasingly require proof of higher liability limits.

Imagine your general liability policy carries a $1 million limit. A customer injury results in a $2 million judgment. Without umbrella coverage, your company must fund the extra $1 million. With a $5 million umbrella, the underlying policy pays the first $1 million; the umbrella covers the remaining $1 million—leaving $4 million in protection for the next big claim.

Contractors & construction firms – on-site injuries and property damage Hospitality & food service – guest slip-and-falls, liquor liability Transportation & delivery – severe auto accidents Manufacturing & wholesale – product liability and large-scale distribution Professional services – premises liability for client visits

High limits at low cost: Umbrella dollars are typically cheaper than increasing primary limits. Pays legal fees: Defense costs alone can bankrupt a small business. Covers multiple policies: One umbrella can sit above GL, Auto, and Employers’ Liability. Closes “drop-down” gaps: If an underlying policy has an exclusion , umbrella may respond first. Future-proofs contracts: Meet tougher insurance requirements without rewriting every policy.

Riseson Insurance is an independent agency rooted in Arizona’s business community. We understand the unique liability exposures across Phoenix , Scottsdale , Tucson , Gilbert , and Chandler , from heavy commuter traffic to rapidly growing entertainment districts. Our brokers compare top-rated carriers and customize umbrella limits that fit your balance sheet—so you can focus on growth, not courtroom drama.

Reach out to Riseson Insurance in Tempe to get a quote . Call 602-460-5470 today and let’s build a Commercial Umbrella policy that keeps your Arizona business shining—rain or shine.

Why Arizona Businesses Need an Extra Layer of Protection

How Does a Commercial Umbrella Policy Work?

Industries That Benefit the Most

Five Ways a Commercial Umbrella Policy Strengthens Your Risk-Management Plan

Local Reach, Local Insight

Ready to Fortify Your Liability Limits?

1. Rising verdicts: Arizona juries routinely return multi-million-dollar awards that can outstrip standard policy limits.
2. Tourism & foot traffic: Popular destinations bring a steady flow of visitors—and heightened slip-and-fall or auto liability risk.
3. Severe weather events : Monsoon storms can trigger chain-reaction accidents and property damage claims.
4. Contract requirements: Landlords, vendors, and municipal bids increasingly require proof of higher liability limits.

• Contractors & construction firms – on-site injuries and property damage
• Hospitality & food service – guest slip-and-falls, liquor liability
• Transportation & delivery – severe auto accidents
• Manufacturing & wholesale – product liability and large-scale distribution
• Professional services – premises liability for client visits

• High limits at low cost: Umbrella dollars are typically cheaper than increasing primary limits.
• Pays legal fees: Defense costs alone can bankrupt a small business.
• Covers multiple policies: One umbrella can sit above GL, Auto, and Employers’ Liability.
• Closes “drop-down” gaps: If an underlying policy has an exclusion , umbrella may respond first.
• Future-proofs contracts: Meet tougher insurance requirements without rewriting every policy.