Extra Liability Protection When It Matters Most.
Commercial Umbrella Insurance from Brawner Insurance provides additional liability coverage above your primary business policies. We help businesses across Missouri, Iowa, Kansas, and Illinois find affordable umbrella coverage from multiple top carriers — adding critical protection against major claims.
Why Businesses Choose Brawner Insurance
Standard business liability policies typically provide $1-2 million in coverage per occurrence — but a single serious lawsuit can easily exceed those limits. Without Commercial Umbrella Insurance, your business assets, operations, and personal finances could be exposed to devastating claims.
As an independent insurance agency since 1992, Brawner Insurance helps businesses find the right Commercial Umbrella coverage from multiple top carriers. We review your existing policies, identify liability gaps, and recommend umbrella limits that provide true peace of mind — all at remarkably affordable rates.
From small businesses to mid-sized companies across the Midwest, Brawner Insurance helps businesses protect against catastrophic claims with affordable Commercial Umbrella coverage. Our independent agency advantage means we shop multiple carriers for the best rates.
Get a Free Quote →Get extra liability protection.
We will review your existing liability coverage, identify gaps, and help you find affordable Commercial Umbrella coverage — at no cost to you.
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Commercial Umbrella Through Brawner
Commercial Umbrella extends your primary liability coverage. Here is what is typically covered.
Excess Liability
Provides additional liability coverage above your primary business policies — kicking in when claims exceed the limits of your general liability, auto, or employer liability policies.
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Gap Coverage
Fills coverage gaps in your underlying policies — some umbrella policies provide broader protection for claims that may not be covered under primary business insurance.
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Auto Liability Extension
Extends your commercial auto liability limits — essential for businesses with vehicles where a serious accident could result in claims exceeding your primary auto policy limits.
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Legal Defense
Provides additional legal defense coverage for claims that exceed your underlying policy limits — protecting your business from the high costs of defending major liability lawsuits.
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Higher Limits
Many BOPs include valuable add-ons like data compromise coverage, employee dishonesty, outdoor signs, and spoilage — comprehensive protection in one affordable package.
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We tailor BOP coverage to your industry, size, and risk profile — every business is unique.
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