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.
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Meet The Experts
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 10 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.
Rebecca ‘Becky’ Rosales
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
Jonathan ‘Jon’ Giron
Front Desk Associate
Jon is the newest member on our team and will support the front desk area. Jon is from Omaha and graduated from Omaha Central and Metropolitan Community College.
He previously worked for Gregg Young Chevrolet and has several years of experience in customer service and office support. Jon is also bilingual in English and Spanish.