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Are you willing to put your assets at stake or do you have enough liquidity to pay off all the charges filed against you?


To cope with times like these, you need Umbrella insurance. It provides you extended liability. It covers you when the liability limit of your regular insurance policies is exceeded.


For many businesses, their general liability and commercial auto policy limits are inadequate for real economic security.  As a result, additional layers of protection in million-dollar increments are readily available in today’s insurance market for most businesses.


Your umbrella policy will pay for:

Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other policies. In some cases, it even broadens your protection. Due to the unpredictable nature of jury awards Clark Carroll Insurance Agency recommends that your business insurance program include this coverage.


Property Damage or Personal Injury:

This policy covers you and your family if any property damage or personal injury occurs on your premises.

Personal Liability:

This covers for any kind of incidence that happens on your premises to others such as your neighbor slips on your premises or your dog bites him/her.

Protection against Slander:

It provides you protection and defense against libel, false arrest or slander.

Lawyer Fees:

A Commercial Umbrella pays for your lawyer in case you have to hire one to defend yourself in the court against a lawsuit.

Who needs Excess Liability Coverage?

Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, significant public exposure.

Talk to Clark Carroll Insurance Agency today about your business operations and we can advise you what kind of liability coverage you need to protect yourself and your company. Just give us a call at

815-244-1570 and we’ll help make sure you’re covered. 


Clark Carroll Insurance Agency provides Commercial Insurance solutions around the area of Mt. Carroll, Lanark, Shannon, Milledgeville, Chadwick, Lake Carroll, Savanna, Thomson, Pearl City, and many more areas in Northwest Illinois.

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