Business Umbrella

Commercial Umbrella Insurance

Business Umbrella images

A commercial umbrella policy used to be regarded as a specialty product only for larger insureds or those facing significant hazards. Today, businesses of all sizes and industries recognize the need for extra protection against liabilities.

A commercial umbrella policy from The Main Street America Group can protect your “Main Street” business against excess liability judgments for loss, injury or even death caused by negligent acts or big, unexpected events that can have potentially catastrophic results. It is designed to provide liability coverage over and above what’s covered in your existing Main Street America commercial lines policies.

Coverage Benefits

Increased limits in excess of the standard primary policies.

Replacement of primary policies if limits are used up by covered losses.

Allows you to meet insurance requirements of landlords, general contractors and other parties.


Added Protection for “Main Street” Businesses

When combined with our Main Line Business Owners Policy (Main Line BOP), commercial auto coverages and employers liability, our commercial umbrella provides extra protection against bodily injury and/or property damage. Our coverage limits start at $1 million with higher limits available. Coverage for a $1 million umbrella policy costs as little as $425 per year for many programs.

Why Choose Us

The Main Street America Group was founded in 1923 in Keene, N.H., when the Grange Fraternity created an entity to provide affordable auto liability insurance to Grange Fraternity members. 


Today, Main Street America provides personal lines and commercial lines insurance to “Main Street” individuals, families, and small businesses, as well as fidelity bonds and surety bonds


Our products are offered exclusively through independent insurance agents. We believe that independent agents offer the best value when shopping for insurance because they represent many companies and can find the best combination of coverage, price, and service.


Main Street America’s products and services are backed by financial strength. We write over $1 billion in premium annually and carry an “A” (“Excellent”) Financial Strength Rating and “a+” Issuer Credit Rating from A.M. Best, the insurance industry’s premier rating organization.