The commercial umbrella provides the policy holder with two areas of liability protection arising out of the operation of the business:


 
Minimum Underlying Limits Required:  
Automobile Liability   $500,000/$500,000 - BI/
  $250,000 - PD $500,000
  CSL
General Liability    
  $500,000 - Occurrence
  $1,000,000 - Aggregate
  $1,000,000 - Products
Employers' Liability    
  $500,000 - Each Occurrence
  $1,000,000 - Per Policy
  $1,000,000 - Per Employee
  1. Excess insurance over and above the required basic Automobile, Comprehensive General and Employer's Liability
  2. Subject to exclusions, covers hazards not insured by primary insurance program. Subject to a self-insurance retention.
Self-Insured Retention = $10,000
Limit of Liability = $1,000,000 or more.
Binding Guidelines
  No binding authority is granted. Umbrella Insurance is only available when Milwaukee Insurance writes all the underlying coverages:
Pricing
  All Umbrella policies are written on an annual basis only. Each prospect will be individually underwritten and rated. Premiums will depend on the type of business, degree of exposures, limit of liability.
For more information on our Commercial Umbrella Plans call us at (320)654-6159
 
Schiller Insurance Agency:
1529 West St. Germain
St. Cloud, MN 56301
Phone: 320-654-6159
Fax: 320-654-8785
Toll Free: 888-421-4471