Extra Protection When Your Business Needs It Most.
Major claims can exceed the limits of your existing policies. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock businesses extend their protection with Commercial Umbrella Insurance — extra liability coverage that sits on top of your general, auto, or employer’s liability policies for maximum peace of mind.
Commercial Umbrella Insurance provides additional layers of liability protection when the limits of your existing business policies are exhausted.
If your business is hit with a large lawsuit or settlement, your general liability, commercial auto, or employer’s liability policy may not cover everything.
That’s where an umbrella policy steps in — covering the excess costs that could otherwise come out of your company’s pocket.
Castle Rock’s growing economy means more clients, projects, and exposure — and with that comes more risk.
One severe accident, injury, or lawsuit could exceed the limits of your standard insurance policies.
Umbrella coverage ensures your business stays protected, even from rare but devastating events.
Common Scenarios Where Umbrella Coverage Helps:
A customer is seriously injured on your property and sues for more than your liability limit.
A commercial vehicle accident results in large medical and property damage claims.
A high-value lawsuit arises from an employee injury or job-site incident.
A product or service issue causes major financial loss to another business.
A strong umbrella policy can provide millions in additional protection above your existing policies.
1. General Liability Extension
Adds coverage beyond your base liability limits for bodily injury, property damage, or legal defense.
2. Commercial Auto Liability Extension
Covers excess claims from business vehicle accidents that exceed auto policy limits.
3. Employer’s Liability Extension
Extends protection for lawsuits by employees not covered by workers’ compensation.
4. Legal Defense Costs
Pays attorney fees and court costs once primary coverage limits are met.
5. Worldwide Coverage (Optional)
Provides liability protection for incidents that occur outside the U.S.
Umbrella coverage is valuable for any Castle Rock business that:
Works with the public or clients frequently
Owns commercial vehicles or a fleet
Operates job sites or uses subcontractors
Holds large contracts or leases requiring high liability limits
Wants added financial security against unpredictable lawsuits
Industries that benefit most include construction, transportation, healthcare, retail, and professional services.
Colorado’s active business environment and high claim costs make extended protection critical.
RMIA understands local risks — from I-25 traffic accidents to job-site liability — and helps you select an umbrella policy that complements your other coverage.
We’ll also review your existing policies to ensure seamless coordination between your general, auto, and umbrella limits — with no coverage gaps.
Independent & Local: We work with multiple top-rated carriers to maximize protection and value.
Custom Solutions: Coverage tailored to your industry, size, and risk profile.
Risk Analysis: We assess your exposures and recommend appropriate coverage limits.
Dedicated Support: We help you navigate renewals, policy coordination, and claims management.
It adds an extra layer of liability coverage once your primary insurance limits are reached — for example, after a large lawsuit or accident.
Most Castle Rock businesses choose between $1 million and $5 million in additional protection, depending on size and exposure. RMIA helps calculate your ideal limit.
Not usually — adding $1 million in coverage can cost as little as $300–$800 per year.
Not directly. Umbrella insurance typically extends general and auto liability but not professional (E&O) or D&O coverage — though we can pair them together.
Yes. Even a single serious accident can create financial exposure that exceeds standard policy limits — umbrella protection keeps you safe.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
One large claim could overwhelm standard coverage — but not if you’re prepared.
Protect your business and assets with Commercial Umbrella Insurance designed by Castle Rock’s trusted advisors at RMIA.
