--- title: Denver Commercial Umbrella Insurance | Bonnie Brae Insurance Agency in Denver, Colorado description: Commercial umbrella insurance protects your assets by going above and beyond your other policies. Bonnie Brae Insurance Agency offers commercial and business insurance. Serving Denver and all of Colorado. --- # Commercial Umbrella Insurance ## from Bonnie Brae Insurance * * * ## Commercial Umbrella Insurance A commercial umbrella policy protects you when a catastrophe results in losses that exceed your basic liability coverage. In some cases, it can even broaden your protection. For businesses with above-average risk exposure (high loss potential, high-profile, a global presence, etc.), higher coverage limits may be necessary. In those cases, excess liability coverage can provide extra coverage above and beyond an umbrella policy. Examples where a commercial umbrella policy might be needed can include: - A customer falls down in your office, severely injuring themselves in the process. The costs of the injuries exceed the coverage of your general liability policy. - An advertisement your business placed is deemed misleading, and subject to a class-action lawsuit that exceeds your primary business liability. - An employee is injured while operating a piece of heavy equipment on the job. They sue the equipment manufacturer, who in turn sues you for an amount that exceeds your business liability coverage. If you’re not sure about whether you need umbrella insurance, we can help. [Contact us](/contact) today to speak to our professionals and find out whether umbrella insurance is right for your business. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/business-insurance/commercial-umbrella/quote) ## Insurance Partners [Liberty Mutual — American Modern — Auto Owners — Chubb — CNA Surety — Philadelphia Insurance — Progressive — The Hartford — Travelers](/insurance-companies) ## Get Your Free Commercial Umbrella Insurance Insurance Quote [Start Here](/business-insurance/commercial-umbrella/quote) ## From Our Blog [**How to Prevent Common Fall Fire Hazards Around Your Home** — Cooler temperatures, shorter days, and changing leaves are all signs that fall has arrived. They also bring seasonal activities that can increase the risk of fires around the home. Fireplaces come back into use, space heaters get pulled out of storage, candles are lit more often, and dry leaves…](/blog/2026/how-to-prevent-common-fall-fire-hazards-around-your-home) [**How to Protect Your Home During a Power Outage** — Power outages can happen with little or no warning and may last anywhere from a few minutes to several hours or longer. While most outages are temporary inconveniences, they can also create risks for appliances, electronics, food, plumbing, and other parts of your home. — A little preparation can…](/blog/2026/how-to-protect-your-home-during-a-power-outage) [**How Smart Home Technology Can Help Detect Problems Early** — Smart home technology is often associated with security cameras and smart locks, but many of today's most useful devices are designed to help homeowners identify potential problems before they become major repairs. — From water leaks to temperature fluctuations, smart home tools can provide early…](/blog/2026/how-smart-home-technology-can-help-detect-problems-early) [View all articles](/blog) ```json {"@context":"https://schema.org","@graph":[{"@type":"Service","@id":"https://www.bonniebraeinsurance.com/business-insurance/commercial-umbrella#service","url":"https://www.bonniebraeinsurance.com/business-insurance/commercial-umbrella","name":"Commercial Umbrella Insurance","serviceType":"Commercial Umbrella Insurance","description":"Commercial Umbrella Insurance quotes from multiple insurance companies in Colorado, Colorado, Arizona, California, Texas, and Michigan.","provider":{"@id":"https://www.bonniebraeinsurance.com/#organization"},"areaServed":[{"@type":"State","name":"Colorado"},{"@type":"City","name":"Denver","address":{"@type":"PostalAddress","addressLocality":"Denver","addressRegion":"Colorado"}},"Cherry Creek Colorado","Metro Denver, CO",{"@type":"State","name":"Colorado"},{"@type":"State","name":"Arizona"},{"@type":"State","name":"California"},{"@type":"State","name":"Texas"},{"@type":"State","name":"Michigan"}],"image":{"@type":"ImageObject","@id":"https://www.bonniebraeinsurance.com/business-insurance/commercial-umbrella#image","url":"https://webtricity-assets-1.wbtcdn.com/images/s/pexels-tima-miroshnichenko-5717036-1170x780.ff9e2c7072ec33051de2167b56da1b9622eb131499bedd12dcc18064dc2b4b81.jpg","width":1170,"height":780}},{"@type":"Organization","@id":"https://www.bonniebraeinsurance.com/#organization","url":"https://www.bonniebraeinsurance.com/","name":"Bonnie Brae Insurance"},{"@type":"WebPage","@id":"https://www.bonniebraeinsurance.com/#webpage","url":"https://www.bonniebraeinsurance.com/","name":"Denver Commercial Umbrella Insurance | Bonnie Brae Insurance Agency in Denver, Colorado","description":"Commercial umbrella insurance protects your assets by going above and beyond your other policies. 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