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Let’s dive into the essential benefits that ensure your employees are covered when it matters most.
Umbrella Insurance provides additional liability coverage beyond the limits of your existing plans, including, General Liability and Commercial Auto, protecting your business from large claims that exceed your primary policy limits.
Umbrella Insurance covers claims related to bodily injury caused by your business operations, employees, or vehicles, especially when these claims exceed the coverage provided by your standard policies.
Umbrella Insurance extends coverage for claims involving personal injury (like defamation, libel, or slander) and advertising injury, particularly when the claim amount exceeds your underlying policy limits.
Umbrella Insurance covers legal defense costs, including attorney fees, court costs, and settlement expenses, if your business is involved in a lawsuit that surpasses the limits of your primary insurance policies.
Umbrella Insurance provides extra coverage for property damage claims that result from accidents or incidents involving your business, covering costs that go beyond the limits of your existing policies.
Umbrella Insurance can cover certain claims not typically included in standard liability policies, such as certain international liabilities or unusual risks, providing broader protection that fills gaps in your existing coverage.
Umbrella insurance provides an additional layer of coverage beyond the limits of your standard liability policies, protecting your business from catastrophic financial losses due to large, unexpected claims or lawsuits. This ensures that a single, high-cost incident doesn’t jeopardize your business’s financial stability.
Instead of raising the limits on individual policies like General Liability or Commercial Auto, Umbrella Insurance offers broader protection across multiple liability areas. This means one umbrella policy can extend coverage over several existing policies, making it a more comprehensive and efficient way to manage risks.
Standard liability policies often have exclusions or limitations that could leave your business exposed to certain risks. Umbrella insurance fills these gaps by covering claims that might not be fully covered by your underlying policies, ensuring your business is protected from all angles.
Purchasing Umbrella Insurance is often more cost-effective than increasing the limits on multiple existing policies. It provides significant additional coverage at a relatively low cost, making it a smart investment for businesses looking to maximize protection without overextending their budget.
Construction companies face high risks from on-site accidents involving heavy machinery, structural failures, and worker injuries, making umbrella insurance essential for covering liability claims that exceed basic policy limits.
Contractors, such as electricians and plumbers, encounter significant liability from property damage, client injuries, and errors in service delivery, requiring umbrella insurance to manage large claims that surpass standard coverage.
With heavy machinery, hazardous materials, and a high potential for workplace accidents, manufacturing companies benefit from the additional protection umbrella insurance offers.
Trucking and logistics companies are exposed to significant risks from road accidents, cargo damage, and driver errors, necessitating umbrella insurance to cover large-scale claims that go beyond basic coverage.
Hotels, restaurants, and event venues deal with public safety issues, slip-and-fall accidents, and alcohol-related incidents, making umbrella insurance essential for protecting against substantial liability claims.
Healthcare providers are at high risk for malpractice claims, patient injuries, and legal disputes, requiring umbrella insurance to cover large settlements or judgments that surpass primary insurance.
With decades of experience, our highly-qualified team is prepared to handle all your insurance needs, guaranteeing precision, expertise, and attention to detail.
We put you first, with a customer support model that’s built around your needs, offering guidance and assistance whenever you need it.
Enjoy the confidence that comes from knowing your business is fully protected, with insurance solutions that give you one less thing to worry about.
We provide extensive coverage that’s both thorough and affordable, giving you top-tier protection without breaking the bank.
Our team of seasoned professionals delivers expert guidance with a commitment to excellence, making sure every aspect of your coverage is handled with the utmost care and precision.
Your business is unique, and so are our insurance solutions—crafted to fit your specific needs and deliver the best possible protection
Hear from the satisfied small business owners we’ve had the privilege to protect.
Umbrella Insurance provides extra liability coverage beyond your standard policies, but what about injuries sustained by your employees? Workers' Compensation Insurance specifically covers medical expenses and lost wages for your employees, ensuring their protection and keeping your business compliant with state laws.
Umbrella Insurance extends your liability coverage, but what if your business property is damaged? Commercial Property Insurance protects your buildings, equipment, and inventory from risks like fire, theft, and natural disasters, safeguarding the physical assets of your business.
Umbrella Insurance covers liabilities that exceed your other policies, but what about your construction projects? Builder’s Risk Insurance provides protection for buildings under construction, covering materials, equipment, and the structure itself against damage or loss.
Whether it’s a lawsuit, property damage, or an unforeseen accident, the potential costs can be crippling. And it’s not just about the immediate financial hit—think about the long-term consequences. The loss of reputation, the disruption to operations, and the stress on your team. The last thing you want is to be caught unprepared when it matters most.
The problem is, the process of securing the right insurance is a time-consuming nightmare. The sheer volume of options available and the number of providers you need to contact is just the beginning. Add to that the complex jargon used in policies, the hours required to evaluate and compare your choices, and the negotiation process that follows. All of this, while ensuring you meet contractual obligations and comply with New York City regulations.
As a business owner already juggling day-to-day operations, who has the time to navigate through it all?
That’s where we come in. At Reliable Insurance, we offer a concierge service designed to lift the burden off your shoulders.
From your initial consultation, our dedicated team dives deep into understanding your business’ unique needs. We work meticulously to search for policies that not only cover the entire scope of your needs, but that ensure you’re getting the best value for your money.
Our mission is to make the process completely stress-free. We’ll patiently answer your questions and handle all the details—managing documentation, negotiating on your behalf, and ongoing policy management—so you can confidently focus on running your business, knowing you made the right decision. Our dedicated team becomes your trusted advisor, ensuring your business is protected with coverage tailored to fit perfectly.
It really is more than just about protecting what you have—it’s about having the confidence to grow your business. The right insurance strategy provides a foundation upon which you can work with peace of mind. It frees you from the constant worry or “what if” and allows you to focus on your craft. Imagine the possibilities when you know your business is covered, no matter what unforeseen circumstance comes your way.
More financial security.
More respect from your clients, project owners, and employees.
More status in the industry.
That’s the power of comprehensive coverage.
In today’s competitive market, the most successful businesses are the ones that think ahead. They don’t just react to risks—they proactively manage them. By partnering with Reliable Insurance, you’re joining a community of business leaders who prioritize security and growth. These are the businesses that not only survive challenges but thrive because they’ve planned for them.
You wouldn’t be here if you weren’t serious about growing your business, don’t let uncertainty hold you back and take control of your business’s future with the right insurance advisor by your side.
