Extra Coverage for Big Claims

Commercial Umbrella Insurance in Missouri

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Extended Liability Protection for Missouri Businesses

Coverage That Goes Beyond Your Standard Policy Limits

Your business liability policies cover a lot, but they don’t cover everything. A single lawsuit or major claim could exceed your coverage limits and put your company’s future at risk. That’s why Missouri business owners turn to commercial umbrella insurance. At Fortner Insurance, we help small businesses, nonprofits, and organizations across Missouri add an extra layer of protection over their existing general liability, auto, or employer liability policies, so they’re ready for the unexpected.

What We Offer

Business Umbrella Policies for Missouri Companies and Organizations

Excess Liability Coverage

Extends the limits of your general liability, commercial auto, and employer liability policies.

Legal Defense Costs

Helps cover legal fees and settlements beyond the base policy limits.

Third-Party Injury or Damage Claims

Adds protection in case of high-cost lawsuits or catastrophic losses.

Coverage for Contracts

Often required for vendor, landlord, or government contracts that mandate higher liability limits.

Customizable Limits

Choose coverage starting at $1 million with higher options available based on your risk.

Compatible With Core Policies

Why Missouri Businesses Trust Fortner

Smart Coverage. Clear Guidance. Local Support.

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We Know What’s at Stake

Whether it’s a serious accident or a rare lawsuit, we’ll help you build coverage that protects your business from the unknown.

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We Help You Understand Your Limits

We’ll walk you through your current policies and identify where umbrella insurance makes the most sense.

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We Work With All Kinds of Businesses

From contractors to nonprofits to multi-location retail operations, we tailor umbrella coverage to match your exposure.

Commercial Umbrella FAQs

What Missouri Business Owners Ask Most

  • What does a commercial umbrella policy cover?

    It provides extra liability coverage that kicks in when your general liability, auto liability, or other base policies are maxed out.

  • Do small businesses need umbrella insurance?

     Yes—especially if you serve the public, operate vehicles, or could be involved in a costly liability claim.

  • How much umbrella coverage should I carry?

    Most policies start at $1 million, but we’ll help you choose limits based on your industry, contracts, and assets.

  • Does umbrella insurance cover employee injuries?

    Only in limited cases. It typically extends employer liability—not workers’ comp. We’ll help clarify what applies.

  • Is commercial umbrella insurance expensive?

    Not typically. It’s a cost-effective way to increase your coverage and reduce your business’s financial exposure.