Commercial Umbrella Insurance Galveston TX

What Is Commercial Umbrella Insurance in Galveston, TX?

Commercial umbrella insurance provides an additional layer of liability protection that goes beyond your primary business policies, such as general liability or commercial auto. If your Galveston business faces a major lawsuit or settlement that exceeds regular insurance limits, an umbrella policy helps cover those extra costs. This coverage is especially valuable for local businesses near popular destinations like the Strand Historic District and Moody Gardens, where higher foot traffic can increase risk exposure.

Why Do Galveston Businesses Need Umbrella Coverage?

With Galveston's active commercial scene and unique coastal risks, many companies find standard liability policies aren't enough. A serious accident, property damage, or customer lawsuit could create financial hardship—especially for companies in hospitality, retail, or construction. Our team at The O'Donohoe Agency has protected Galveston businesses for over 40 years and understands regional risks, city ordinances, and local legal climates.

How Does Commercial Umbrella Insurance Work?

If a claim or lawsuit exceeds your general liability limits, commercial umbrella insurance takes over once the underlying policy is exhausted. For example, if your general liability policy covers up to $1 million and you face a $1.5 million judgment, your umbrella policy can cover the additional $500,000. The O'Donohoe Agency can help you choose limits that match your business’s size and risk profile.

Galveston and Nearby Service Areas

Located in Galveston, TX, The O'Donohoe Agency proudly serves a wide range of local communities. We frequently assist businesses in Galveston, League City, Texas City, Friendswood, and La Marque. Our deep knowledge of the Galveston Bay Area helps us tailor coverage for risks unique to coastal operations, from hurricane exposure to tourism-driven liabilities.

Combine Coverage for Total Protection

For complete risk management, we recommend pairing umbrella insurance with key policies like General Liability Insurance in Galveston, TX | The O'Donohoe Agency and Commercial Property Insurance in Galveston, TX | The O'Donohoe Agency. That way, your business is protected against both everyday risks and extraordinary events.