Texas Commercial Umbrella Insurance

Texas Commercial Umbrella Insurance: What You Need to Know

You take meticulous care of your business, but the fact is, you cannot prevent issues from arising when you least expect them to. All you can do is be prepared to handle whatever comes – and a significant facet of being prepared is having a Texas commercial umbrella insurance policy that safeguards your business from mishaps and catastrophes that can drain your finances. Texas commercial umbrella insurance offers you the layer of protection you need in order to protect your business properly. 

Whether you own a Texas boutique, a construction business, or a restaurant (or anything in between), you need to have excellent commercial property insurance to properly safeguard your business. There is no reason to leave your business vulnerable to the misfortunes that can seemingly come out of nowhere when you can have the insurance policy that can protect the business you have worked so hard to build.

How Commercial Umbrella Insurance Benefits You and Your Business


  • Texas commercial umbrella insurance can offer you a layer of protection to help you take care of the issues that are just too big for your regular insurance policies. You might have great coverage to protect your business, but if an unexpected costly claim arises, your regular policy may not be able to handle all of it. The right commercial umbrella insurance is a safety net – a way to take care of those costs that exceed your policy limit. You – and your business – deserve to have that barrier in place.

  • When you have the right commercial umbrella coverage, you have coverage that can safeguard you from expenses that otherwise could drain your business’ financial resources. You cannot predict when a costly lawsuit may come up or expensive property damage may occur, so having good umbrella insurance on hand can safeguard you from a lot of financial distress. If your policy only covers $500,000 and your claim is $850,000, you would find yourself having to pay the $350,000 if you didn’t have the right commercial umbrella insurance in place. However, when you have Texas umbrella insurance, it kicks in to cover the amount that exceeds your regular policy. That is no small thing, so having that safeguard in place is vital.

  • Helping you be prepared for the future is another way that commercial umbrella insurance benefits you. Even the best-laid plans can go awry when you aren’t prepared to deal with curveballs, so having an umbrella policy that can help shield your business from any bumps down the road is crucial. Should something unexpected come up, you will be glad that you took the right steps to give your business the extra layer of protection. 

  • Having the right Texas commercial umbrella insurance can offer you peace of mind when issues do come up. The fact is, dealing with mishaps and disasters can be very stressful when you don’t have a plan of action, so knowing that you have the right umbrella insurance in place can really make a meaningful difference for you. While being prepared cannot prevent catastrophes from rearing their ugly faces, it can help prevent you from being caught off guard. You can breathe easier knowing that you have the coverage your business needs. 

Commercial Umbrella Insurance That Safeguards Your Texas Business

Your independent insurance agent can help you find the coverage you need to give your business that layer of protection that only commercial umbrella insurance can offer. You don’t have to figure out the different facets of the right umbrella policy for your business on your own! You pour so much time, energy, and resources into your business, and it’s time that someone gave you a helping hand. Here at Patterson Insurance, we want to help you safeguard your business for years to come – and we believe that you deserve the very best care.


Don’t wait until something happens before you look for a commercial umbrella policy for your business – instead, be armed with the right coverage so that you don’t have to scramble to get back on your feet if a costly mishap comes your business’ way. You can call our Carthage team at (903) 693-3831 or our Seven Points team at (903) 432-2436; contact us today so that we can help you find the Texas commercial umbrella insurance policy that best protects your business.

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