--- title: North Carolina Commercial Umbrella Insurance | Freedom Insurance in North Carolina description: Commercial umbrella insurance protects your assets by going above and beyond your other policies. Freedom Insurance Group, Inc offers commercial and business insurance. Serving Morganton and all of North Carolina. --- # Commercial Umbrella Insurance ## from Freedom Insurance * * * ## Commercial Umbrella Insurance A commercial umbrella policy protects you when a catastrophe results in losses that exceed your basic liability coverage. In some cases, it can even broaden your protection. For businesses with above-average risk exposure (high loss potential, high-profile, a global presence, etc.), higher coverage limits may be necessary. In those cases, excess liability coverage can provide extra coverage above and beyond an umbrella policy. Examples where a commercial umbrella policy might be needed can include: - A customer falls down in your office, severely injuring themselves in the process. The costs of the injuries exceed the coverage of your general liability policy. - An advertisement your business placed is deemed misleading, and subject to a class-action lawsuit that exceeds your primary business liability. - An employee is injured while operating a piece of heavy equipment on the job. They sue the equipment manufacturer, who in turn sues you for an amount that exceeds your business liability coverage. If you’re not sure about whether you need umbrella insurance, we can help. [Contact us](/contact) today to speak to our professionals and find out whether umbrella insurance is right for your business. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/business-insurance/commercial-umbrella-insurance/quote) ## Insurance Partners [Aegis Insurance — Allstate — American Integrity Insurance Co — American Modern — AmTrust Financial — BiBerk Insurance company — Canal Insurance — Chubb — Dairyland Insurance — Discovery Insurance — Farmers — Foremost Insurance — Frank Winston Crum Insurance — Hagerty — Heritage Insurance — Hiscox — Hiscox Insurance — Homeowners of America Insurance company — Liberty Mutual — National General Insurance — Nationwide — NC Grange Mutual Insurance — Orion 180 — Philadelphia Insurance — Progressive — The General Insurance — The Hartford — Travelers — Universal Property & Casualty Insurance — Utica National Insurance — Zurich](/insurance-companies) ## Start Your Commercial Umbrella Insurance Quote Freedom Insurance strives to offer you quality insurance coverage, a high level of professional service and a long-term relationship. As independent insurance agents in North Carolina, we’ll research rates and coverage from top insurance companies to find the best insurance rates and insurance plans for you. We do the insurance shopping and comparing for you to save you time and money on your commercial umbrella insurance. * * * ### Want to talk to an agent first? **Call us - we love talking about insurance!** [Contact Our Office](/contact) (A form appears here on the HTML version of this page.) ## From Our Blog [View More Articles](/blog) [**Custom Parts And Equipment Coverage: What It Is And Why It Matters** — Custom parts and equipment coverage helps protect aftermarket upgrades, modifications, and added accessories that may not be fully covered under a standard auto, motorcycle, or specialty vehicle policy. It matters because many vehicle owners invest far more into custom wheels, stereo systems, lifts… — Apr 27](/blog/2026/custom-parts-and-equipment-coverage-what-it-is-and-why-it-matters) [**Boat Insurance Coverage Gaps Every Boater Should Understand** — Boat insurance can provide important protection for physical damage, liability, and certain on-water risks, but many policies still have exclusions, limits, and gaps that boat owners do not notice until a claim happens. The most common problems usually involve navigation limits, uninsured boaters,… — Apr 27](/blog/2026/boat-insurance-coverage-gaps-every-boater-should-understand) [**How Lease Agreements Impact Your Insurance Responsibilities** — Leasing a commercial space is a common step for many businesses, but the terms of a lease often include more than just rent and duration. Lease agreements frequently outline specific insurance responsibilities that both tenants and property owners are expected to meet. Understanding how these… — Apr 22](/blog/2026/how-lease-agreements-impact-your-insurance-responsibilities) ```json {"@context":"https://schema.org","@graph":[{"@type":"Service","@id":"https://www.freedominsurancenc.com/business-insurance/commercial-umbrella#service","url":"https://www.freedominsurancenc.com/business-insurance/commercial-umbrella","name":"Commercial Umbrella Insurance","serviceType":"Commercial Umbrella Insurance","description":"Commercial Umbrella Insurance quotes from multiple insurance companies in North Carolina.","provider":{"@id":"https://www.freedominsurancenc.com/#organization"},"areaServed":[{"@type":"State","name":"North Carolina"},{"@type":"City","name":"Morganton","address":{"@type":"PostalAddress","addressLocality":"Morganton","addressRegion":"North Carolina"}},{"@type":"City","name":"Lenoir","address":{"@type":"PostalAddress","addressLocality":"Lenoir","addressRegion":"North Carolina"}},{"@type":"City","name":"Hickory","address":{"@type":"PostalAddress","addressLocality":"Hickory","addressRegion":"North Carolina"}}],"image":{"@type":"ImageObject","@id":"https://www.freedominsurancenc.com/business-insurance/commercial-umbrella#image","url":"https://webtricity-assets-1.wbtcdn.com/images/s/pexels-bluerhinomedia-4832564b-1170x780.4187b1fff58aa0c57aa4af68204ebe03f8fa9998f1a6838c46c4bbd08753bb37.jpg","width":1170,"height":780}},{"@type":"Organization","@id":"https://www.freedominsurancenc.com/#organization","url":"https://www.freedominsurancenc.com/","name":"Freedom Insurance"},{"@type":"WebPage","@id":"https://www.freedominsurancenc.com/#webpage","url":"https://www.freedominsurancenc.com/","name":"North Carolina Commercial Umbrella Insurance | Freedom Insurance in North Carolina","description":"Commercial umbrella insurance protects your assets by going above and beyond your other policies. 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