Black umbrella shielding three people.

Commercial Umbrella Insurance

When the Unexpected Goes Beyond the Limits
A woman in a red dress is standing on a beach looking at the ocean.

Lawsuits and liability claims can exceed standard coverage fast—especially in industries where risks are higher or client demands are tougher. That’s where commercial umbrella insurance steps in. This policy adds an extra layer of protection on top of your general liability, business auto, or workers’ comp policies, giving you the financial buffer to handle large claims. At W.J. Farmer Insurance, we help New York businesses secure affordable umbrella coverage that scales with their risk. It’s smart, simple, and often more affordable than increasing primary limits across the board.

High Limits, Lower Stress

Commercial Umbrella That Extends Your Protection

If you’re worried your core business policies wouldn’t be enough in a worst-case scenario, we’ll help you understand how umbrella coverage can fill that gap.


Standard policies typically include:

  • Extra liability limits above general liability and auto policies
  • Legal defense and settlement costs beyond your base policy
  • Protection against major claims involving injury or property damage
  • Often required by contracts with municipalities or large clients
  • Available for contractors, landlords, retailers & more
What You Can Expect from W.J. Farmer

A Bigger Safety Net, Without the Red Tape

We’ll help you decide when and why an umbrella policy makes sense—and make sure it works with your existing business coverage.


You’ll get:

  • Customizable limits based on your industry and exposure
  • Policy coordination with your existing coverage
  • Affordable premiums with major carriers
  • Expert advice to avoid overlaps or blind spots
  • Support if a claim ever hits your umbrella threshold


As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.

Make Sure the Base is Covered First

Recommended Policies to Pair with Umbrella

An umbrella policy only works if your core coverage is solid. We’ll make sure you have the right foundation in place first.

  • General liability

  • Commercial auto

  • Workers’ compensation

  • Business owners policy (BOP)

Don’t Let a Single Claim Jeopardize Your Business.