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  • Business
    • Industries
      • Camps
      • Condominium Associations
      • Country Clubs & Golf Courses
      • Cranes
      • Craft Beverage
      • Health Clubs
    • Industries cont.
      • Human & Social Services Insurance
      • In Home Health Care
      • Long Term Care Facilities
      • Manufacturers Insurance
      • Religious Organizations
      • Restaurant Insurance
    • Products
      • Bonds
      • Builder’s Risk
      • Commercial Auto
      • Cyber Attack & Data Breach
    • Products cont.
      • Employment Practices Liability
      • General Liability
      • Umbrella
      • Workers Compensation
  • Personal
    • Home
      • Condominium Unit Owner
      • Flood Insurance
      • High Value Home
      • Homeowners Insurance
      • Individual Heath Insurance
      • Renter’s Insurance
      • Rental Property
    • On The Move
      • Antique & Collectible Cars
      • Auto
      • Boats
      • Motorcycle
      • Snowmobile
    • Specialty
      • Event Insurance
      • Travel Insurance
  • Employee Benefits, Life & Health
    • Products
      • Disability Income Insurance
      • Group & Individual Life Insurance
      • Group Medical Plans
      • Individual Heath Insurance
      • Voluntary Benefits
    • Services
      • Benefits Administration
      • Medicare
      • Municipality Benefits Consulting
    • Compliance
      • Compliance Alerts
  • M&P Insights
    • M&P Insights
  • About M&P
    • Melcher & Prescott Careers
    • Vision, Mission & Core Values
    • Client Testimonials
    • The M&P Team
    • Insurance Companies M&P Represents
    • Contact Us
  • Request a Quote

Umbrella

Home Umbrella

UmbrellaAny business can be sued, and juries often award large settlements in excess of one million dollars.

Every business should consider supplementing their standard insurance coverage with umbrella insurance.

Your policy limit on your General Liability, Commercial Auto and Workers Compensation policies might be lower than the judgment award, leaving your business to pay the remaining settlement amount out of pocket. That could put you out of business. Umbrella coverage can fill the gap and protect your company from financial disaster.

Examples of losses paid by The Cincinnati Insurance Company include:

$7.5 million to a 59-year-old man rendered a quadriplegic when his vehicle was rear-ended by a policyholder’s employee

$5.5 million to a young victim of near-drowning due to a policyholder’s failure to properly supervise

$7 million to an employee of a policyholder’s sub-contractor who fell from scaffolding, suffering a severe closed head injury

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  • Melcher & Prescott Insurance
  • 426 Main St, Laconia, NH 03246
  • 603-524-4535
  • 603-528-4442
  • insure@Melcher-Prescott.com
  • https://www.melcher-prescott.com

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