Commercial Umbrella Insurance That Strengthens Your Business Protection in Central Minnesota

Smart, Personalized Coverage From Your Local Experts in Germantown, MD

One major claim can exhaust your primary insurance limits—and leave your business exposed. At Cornerstone Insurance, we help business owners across Central Minnesota add an extra layer of financial protection with commercial umbrella insurance that kicks in when other policies reach their limits.



Whether you're facing a costly lawsuit, medical claim, or settlement, this extended liability coverage ensures you're not left to cover the rest alone.

What Commercial Umbrella Insurance Covers

This policy boosts the liability limits of your existing business insurance—providing backup coverage when standard policies max out.

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Excess General Liability

Adds protection if a general liability claim (like injury or property damage) exceeds your policy’s limits.

Commercial Auto Liability Extension

Increases coverage for vehicle-related liability claims that surpass your commercial auto limits.

Employer’s Liability Boost

May enhance employer’s liability protection, especially useful for businesses with multiple employees or high-risk operations.

Legal Defense & Settlement Costs

Covers attorney fees, court costs, and settlement amounts beyond the limits of your other policies.

When Commercial Umbrella Insurance Makes Sense

If your business could ever face a lawsuit or liability claim that exceeds $1 million, umbrella insurance is worth considering. It’s especially helpful for:

Contractors and Trades

Agricultural Operations

Business Owners With Employees

Companies with frequent client or public interactions

Any operation with high-value assets at risk

We’ll help you decide if umbrella coverage fits your risk profile—and how much you may need.

Why It Matters

Because Big Claims Can Happen—Even to Small Businesses

Slip-and-fall injuries. Auto accidents. Contract disputes. These claims happen more often than you think—and they don’t always stop at your base policy limit.


That’s where commercial umbrella insurance steps in.


At Cornerstone Insurance, we work with Central Minnesota businesses to evaluate risks, compare umbrella policy options, and build stronger financial protection with confidence.


  • Multiple top-rated commercial carriers
  • Local support with real-time advice
  • Designed to extend your core commercial coverage

Commercial Umbrella Insurance FAQs

  • Is this a standalone policy?

    No. Commercial umbrella insurance works alongside existing policies like general liability and commercial auto—it doesn’t replace them.

  • How much coverage can I add?

    Typical limits range from $1 million to $5 million or more. We’ll help assess the right amount for your business.

  • Does umbrella insurance cover everything?

    Not everything. It won’t cover professional liability or employee injuries, for example—but it adds extra protection where your other policies apply.

  • Is commercial umbrella coverage expensive?

    Not usually. For the amount of additional protection it provides, umbrella insurance is often very cost-effective.

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Let’s Get You on the Road

Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.

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Let’s Add an Extra Layer of Protection

Your business works hard to grow—don’t let one large claim unravel years of progress. With commercial umbrella insurance from Cornerstone Insurance, you’ll be covered more completely, confidently, and locally.