​Umbrella Insurance


Protection from the Unexpected

Even with the best planning, the unexpected can happen. A sizable judgment against your business can damage your reputation, market share, and bottom line. Would your auto or general liability policies protect your business against a substantial loss? With umbrella coverage from Liberty Mutual Insurance, you can safeguard your business. We’ll help protect you from unexpected events so you can focus on what really matters: your business.

How Umbrella Insurance Can Help

No matter the type or size of your business, umbrella insurance can help provide an additional layer of coverage over existing liability policies, offering your business more flexibility and protection at an affordable cost.

Whether you have one location or run a national corporation, Liberty Mutual can offer the right coverage to help protect your business in the event of a catastrophic accident. As part of our umbrella coverage, we offer:

  • Up to $35 million in coverage over Liberty Mutual Insurance primary liability policies
  • Up to $25 million in coverage over another carrier’s primary liability policies1
  • An extra layer of coverage in most parts of the world

Working with Liberty Mutual, you’ll benefit from a dedicated team of underwriters who are highly experienced and responsive as well as experienced claims handlers who specialize in umbrella insurance.

Safeguarding Your Business, Regardless of Industry

Every business has unique challenges and risks. Liberty Mutual Insurance has broad experience in a range of industries that include but are not limited to:

Supporting You in a Crisis

When facing a catastrophic event, you want to protect your business’s brand and reputation. That’s why Liberty Mutual Insurance offers crisis management support through a leading global communications and engagement firm to all of its policyholders. Through this partnership, any claims filed within a seven day window are eligible for up to $250,000 in consulting expenses to help navigate the PR fallout that may occur during a crisis.

If you are looking to add higher limits over your existing umbrella policies, learn more about excess liability insurance.

Learn More

To learn more about our umbrella coverage, contact an independent agent or your broker. 


This is a general description of coverages. Not all coverages are available in all states. Contact an independent agent or your broker for policy terms, conditions, and exclusions.

1Underlying carriers must be rated A-V or better by A.M. Best.

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The Value of Umbrella: $5M is the New $1M
Watch our video to learn the importance of umbrella coverage and why $5 million is the new $1 million when it comes to policy limits.