Umbrella Insurance Made Simple — Extra Protection Beyond Standard Coverage
- When your primary policies aren’t enough, umbrella insurance provides the added layer of liability protection your business and personal assets need. Affordable, flexible, and designed for peace of mind
Why Covella
Simple & Flexible
- No employees required to qualify
- Short-term or ongoing coverage
- Pay-as-you-go, no hidden costs
Built for Every Business
- Perfect for start-ups and small teams
- Coverage for high-risk industries
- Designed for construction, trucking, restaurants & more
Fast & Hassle-Free
- Get a custom rate in minutes
- Paperwork kept to a minimum
- Digital proof of coverage delivered instantly
Getting Started is Easier Than You Think
01
Fill out the Appetite Check Form
02
Get a Call + Instant Quotes
03
Choose the Right Plan
04
Sign Electronically & Get Covered
Who Needs Umbrella Insurance?
- Anyone with assets, income, or business operations worth protecting.
- Umbrella Insurance isn’t just for large corporations or wealthy individuals — it’s essential for business owners, landlords, professionals, and families who face risks that go beyond standard liability policies. If a lawsuit or major claim exceeds your existing insurance limits, an umbrella policy steps in to cover the extra costs, safeguarding your financial future. Failing to carry umbrella coverage can leave you exposed to devastating medical bills, property damage claims, and legal defense costs that could easily bankrupt a business or individual.
- Industries and Individuals That Benefit from Umbrella Insurance:
- Construction & Contractors – Accidents at worksites can result in lawsuits exceeding general liability limits.
- Real Estate & Landlords – Rental properties bring risks of tenant injuries or property damage claims.
- Hospitality & Restaurants – High customer traffic increases liability exposure.
- Transportation & Trucking – Auto liability claims from accidents can surpass commercial auto coverage.
- Healthcare & Professionals – Doctors, consultants, and service providers face reputational and financial risk.
- Retail & Small Businesses – Slips, falls, and product liability can lead to costly lawsuits.
- Families & High-Net-Worth Individuals – Protects personal assets, especially for households with young drivers, swimming pools, or frequent guests.
- With lawsuits and claims rising in frequency and cost, umbrella insurance provides the peace of mind that your core policies can’t always guarantee.
What People Say About Us
- "Covella made getting workers' comp coverage so easy. I got my quote in minutes and had my certificate the same day. No hassle, no runaround — just simple, professional service."
- Michael R.
- General Contractor
- "As a small restaurant owner, I didn't think I could afford workers' comp. Covella's pay-as-you-go option was perfect for my budget, and the team walked me through everything."
- Sarah T.
- Restaurant Owner
- "I've been in trucking for 15 years and this is the first time an insurance company actually made the process easy. Quick quotes, fair prices, and real people who care."
- James L.
- Trucking Company
FAQs
Umbrella insurance provides extra liability protection beyond the limits of your existing policies, such as general liability, auto, or homeowners insurance. If a claim or lawsuit exceeds your standard coverage, your umbrella policy steps in to cover the remaining costs.
Umbrella insurance is ideal for business owners, landlords, professionals, and families with assets to protect. It’s especially useful for high-risk industries like construction, hospitality, transportation, and retail, as well as for individuals with rental properties, high net worth, or young drivers at home.
Umbrella policies typically cover bodily injury, property damage, personal injury (such as libel or slander), medical expenses, and legal defense costs when claims exceed your primary insurance limits.
Umbrella insurance does not cover business property damage, intentional acts, professional errors, or liabilities covered by workers’ compensation or professional liability insurance. For those risks, separate policies are required.
The cost depends on your risk exposure, industry, number of employees, and coverage limits. On average, small businesses may pay a few hundred dollars annually, while larger companies or individuals with higher liability risks may pay more.
Ready to Get Covered?
- Get a custom quote today and start your coverage in minutes.
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