Added protection for the accidents or situations that happen outside our control

Commercial Umbrella Insurance allows for businesses to have additional protection through supplemental liability coverage. If your business faces a lawsuit, a common occurrence in 2017 where in there are upwards of 15 million Civil Cases filed in US alone. When a lawsuit ensues, consequential assets can be at risk. When the cost of one of these claims exceeds what your business owner’s insurance covers, Commercial Umbrella Insurance covers the excess amount, adding a liability layer of insurance to further protect business assets.

Without Commercial Umbrella Insurance, business owners could be obligated to pay out of pocket for what is required when facing a lawsuit such as legal fees, medical bills, and damage expenses which could exceed the limits of their existing primary business coverages. To help get the additional protection your business needs, call or stop by and get a quote today at Dickey McCay.

A Commercial Umbrella Policy from Dickey McCay increases business liability protection, securing your business’ profits and worth in the case of accidents; for example:

How well are you covered?

• A customer slips on a wet floor in your office and injures his or herself and the medical costs exceed your primary liability policy’s limits.
• An advertising error results in a major lawsuit against your business with costs that exceed your primary business liability insurance coverage.

No matter the size of your company or how it is run, your business faces the potential for an unforeseen event leading to a harmful claim. One customer falling  in your retail store, restaurant, or your apartment building complex can leave your business liable for the injured person’s medical expenses, damages and other payments. While existing business liability insurance can cover some of these payments, any additional fees would be paid through your company’s revenue and/or cash. Umbrella Insurance Coverage goes above basic business liability insurance limits, allowing additional coverage limits of up to $10 million.

At Dickey McCay Insurance, we can work with you to create a liability coverage plan that works for your business. Additionally, your business may have other commercial policy needs such as Commercial Auto, Property or General Liability, and when these are all purchased through Dickey McCay, we can better serve you by making recordkeeping and bill-paying easier. We can combine the Commercial Umbrella Insurance with your business’s other policies from Dickey McCay Insurance into one, easy bill.

To help get the additional protection your business needs, call or stop by and get a quote today; you can stop by our main office in Copperhill, Tennessee or office in Tellico Plains, TN.  If this is not convenient, we will be glad to come to see you, listen to your needs, answer questions and make recommendations.  Dickey McCay Insurance locally serves the Tri-State area of Georgia, Tennessee and North Carolina.  Also, Dickey McCay is licensed to sell insurance in GA, TN, NC, AL, MS, KY and SC, so we can help local residents and businesses who needs support across multiple states.  Dickey McCay Insurance has employees, friends, and family who live in the areas served, so the Tri-State cities and communities (i.e Murphy, NC, Blue Ridge, GA, Blairsville, GA, Andrews, NC, etc.) are special and are supported locally by the company.  If you have a need, Dickey McCay will listen, ask questions, make recommendations and customize a plan to suit your lifestyle and immediate needs.

Complete one of quotes or make a call today to discover what the Dickey McCay advantage can do for you by calling our main office at (423) 496-3366 to talk with our insurance specialists.  If you speak Spanish or have a friend who needs insurance help, we have Spanish-speaking representatives available to assist with the same valued support; oficina: (888) 978-7843.