Commercial Umbrella Insurance

When your standard business coverage runs out, commercial umbrella insurance steps in. At F&T Insurance Agency, we help businesses across Massachusetts, Rhode Island, Connecticut, and New York extend their protection—without complicating the process.

An elderly woman wearing a straw hat is standing in a greenhouse.

More Than a Safety Net

Umbrella Coverage That Works

Whether you’re running a contracting firm in Fall River, managing a storefront in Stamford, or overseeing projects in Albany, we help you get the commercial umbrella insurance to guard against major claims and liabilities.

Extended Liability Limits

Our business umbrella policy options provide millions in additional coverage beyond general liability, auto, and employer liability limits—ideal for high-risk industries or high-value contracts.

Legal & Settlement Support

Big lawsuits come with big costs. Our excess liability coverage helps cover legal defense and settlements that exceed standard policy limits.

Protection Across Policies

We design umbrella insurance to complement your existing coverage—ensuring your general, auto, and employer liability work together.

Looking up at a tree with lots of branches and leaves.
A family is walking through a field holding hands.

Smart Questions from Business Owners

  • What does a commercial umbrella policy cover?

    It adds extra liability protection after your other policies hit their limits. This includes legal fees, court judgments, and settlements.


  • Do all businesses need umbrella insurance?

    Not all, but those with property, high client volume, or elevated risk should consider it. We help you assess whether it’s a smart move.

  • How much extra coverage should I get?

    Many businesses start with $1–5 million. We’ll recommend limits based on your exposure, size, and industry.

  • Is umbrella coverage only for big businesses?

    Not at all. We provide affordable umbrella insurance MA small businesses use to safeguard their finances from surprise liabilities.


  • Can I get umbrella coverage if I have multiple locations?

    Yes. We help businesses coordinate coverage across states and locations with umbrella insurance providers MA trusts.

Your Risk, Rebalanced

Let’s Build in Protection

At F&T Insurance Agency, we help you prepare for the unexpected—without overcomplicating your coverage. From coverage reviews to claims guidance, our team walks you through every layer of your protection.

A woman is walking down the street holding a cup of coffee.