Commercial Umbrella Insurance

Commercial Umbrella Insurance

Why is it Important?

Commercial umbrella insurance provides the extra coverage necessary to aid in paying costs which exceed other limits on liability policies. Without this type of policy, all of the expenses for liability claims which exceed coverage limits will be your responsibility. A few examples of these kinds of expenses are: legal fees, medical expenses, property damage, settlement payouts, and so on. 

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Commercial umbrella policies cover expenses in excess of your primary liability insurance policies, like commercial auto insurance, up to the umbrella policy limits. Taking into account the type of business and its inherent risks, will help determine how much umbrella insurance your company needs.

Typically it is more cost effective to add an umbrella policy (effectively increasing your overall liability coverage) instead of maxing out the liability limits on your primary liability insurance OR if you need to extend an already maxed out limit.

For example: one of your employees has an accident while driving a delivery order to a customer and they damage another business’ property plus sustains bodily injuries, and those costs are higher than your commercial auto policy coverage limits. The Commercial Umbrella policy will help cover those excess liability charges up to the policy limits, effectively safeguarding your business from significant out of pocket costs.

Serving the Midwest

for over 10 years!

We believe that good relationships are built with trust, honest and open communication and delivering on our promises.


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Our Team

Meet The Experts


Jodie Enenbach-Moreno

Agency Owner & Licensed Agent

Jodie Enenbach-Moreno is the owner of Smart Insurance Solutions®. Prior to opening her agency in 2013, Jodie worked for Blue Cross Blue Shield of Nebraska and Mutual of Omaha in service, sales and marketing. Her passion for client education motivated her decision to open an independent agency here in Omaha. Jodie hosts educational classes throughout the year on the radio, for community groups, financial advisors and the general public.

With over 15 years of insurance experience, Jodie spends many hours refreshing product knowledge, renewing certifications for government programs (Medicare & Marketplace) and staying on top of regulation changes. For additional compliance and support, Jodie has a long-standing relationship with Preferred Marketing Associates.

photo by Lane Hickenbottom/Omaha Headshot Co.

Rebecca ‘Becky’ Rosales

Licensed Agent

Licensed Agent & Operations. Becky has been with Smart Insurance Solutions® for over 4 years and is a wonderful asset to the team.

She supports the agency in customer service, bookkeeping and insurance sales. Becky is from Omaha and has decades of support and leadership experience

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Cristal Briceño Rios

Front Desk Associate

Cristal’s background is in nursing and most recently worked for a pharmaceutical benefit management company before joining our team. Cristal is a great asset to our team in supporting the front desk area and other administrative duties.