Commercial Umbrella Insurance in California
Coverage built for businesses that need higher liability limits
From a local Farmers agency in Ontario, serving the Inland Empire and all of California.
Call (909) 972-0699 or get a free quote below.
Get My Free QuoteA serious accident or lawsuit can exceed the limits on your general liability or commercial auto policy. A commercial umbrella adds another layer of protection on top, and many contracts, leases, and lenders require one.
Who we cover
- Contractors bidding larger jobs
- Businesses with vehicles on the road
- Property owners and landlords
- Restaurants and bars
- Any business whose contracts require higher limits
Coverage to consider
Extra liability limits
Adds coverage above your general liability, commercial auto, and employer's liability.
Contract requirements
Helps you meet higher limits that general contractors, landlords, and clients require.
Broader protection
Can cover some claims your underlying policies don't, depending on the policy.
Coverage options, limits, and eligibility vary by carrier and are subject to underwriting. We'll match you with the right options from the carriers available to our agency.
Common risks we help you plan for
Serious auto accidents, severe injuries on your premises, and large lawsuits are where umbrella coverage makes the biggest difference.
Why work with a local agent
Our office is at 3602 Inland Empire Blvd #C330, Ontario, CA 91764, so you can sit down with us in person or handle everything by phone and text. We review your operations, explain your options in plain language, and help when it's time to file a claim.
3602 Inland Empire Blvd #C330, Ontario, CA 91764
Office hours: 9:00 to 5:30
Phone: (909) 972-0699
Areas we serve
We work with businesses that need higher liability limits throughout the Inland Empire, including Ontario, Rancho Cucamonga, Chino Hills, Chino, Upland, Fontana, Montclair, and Eastvale, and across California.
Related coverage
- Commercial auto insurance
- General contractor insurance
- Apartment, HOA, and property management insurance
Frequently asked questions
How much umbrella coverage do I need?
It depends on your assets, contracts, and exposure. Many businesses start at $1 million and increase as needed.
Does an umbrella cover my commercial auto?
A commercial umbrella usually sits over your commercial auto liability, adding higher limits.
Is umbrella coverage expensive?
Umbrella coverage is often affordable compared to the extra protection it adds.
Do you serve businesses outside Ontario?
Yes. Our office is in Ontario, and we serve businesses throughout the Inland Empire and across California.
Get your free quote
Farmers Insurance, Young Douglas. CA License #4091974. Coverage, discounts, and eligibility vary and are subject to underwriting.
Disclaimer
Farmers Insurance - Young Douglas provides home, auto, life, and commercial insurance products independently. References to mortgage brokers, real estate agents, or other professionals are for convenience only and do not imply a referral arrangement or financial affiliation.