Massachusetts Commercial Umbrella Insurance

Extended Protection for Massachusetts Businesses

Unexpected events can escalate quickly—and so can the costs. Commercial Umbrella Insurance provides Massachusetts businesses with an added layer of liability protection when the limits of their underlying policies (like General Liability, Commercial Auto, or Employer’s Liability) are exhausted.

At Segreve & Hall, we help businesses across Massachusetts—from contractors in Worcester to retailers in Andover—stay protected from high-cost lawsuits and claims that exceed standard policy limits.

Get A Quote

Trusted by Businesses for 30+ years

Meet our team

Extended Coverage That Kicks in When You Need It

Commercial Umbrella Insurance doesn’t replace your other liability policies—it supports them. It kicks in when claims go beyond the limits of your primary coverage, helping to cover legal fees, settlements, and medical costs associated with covered incidents.

For example:

If your general liability policy covers $1 million and you’re faced with a $1.5 million claim, umbrella coverage can bridge the $500,000 gap.
It can also extend liability protection across multiple policies for more comprehensive peace of mind.

Typical policies include:

Excess Liability Coverage – Additional coverage beyond your general, auto, or employer’s liability insurance.
Legal Defense Costs – Payment for attorney fees and court expenses once base limits are exceeded.
Multi-Policy Support – Protection that applies to more than one type of underlying policy.

Why Massachusetts Businesses Need Umbrella Insurance

In today’s business climate, even a single accident or lawsuit can result in a costly settlement. Massachusetts courts are no stranger to large jury awards, especially in cases involving bodily injury, property damage, or employment-related claims.

Industries with higher liability exposure—such as construction, transportation, hospitality, and real estate—can benefit significantly from the added protection.

Customized Coverage for Your Business Size and Risk

At Segreve & Hall, we tailor your umbrella policy based on your business type, risk profile, and the coverage limits you already have in place. We work with a variety of industries throughout Massachusetts, including:

Contractors and trades
Property management companies
Manufacturing and distribution
Retailers and service providers
Nonprofits and municipalities

We’ll help you determine the right coverage amount, often starting at $1 million and scaling up to $10 million or more, depending on your needs and industry standards.

Get A Quote

Explore Our Massachusetts Commercial Insurance Solutions

View all

Commercial Auto Insurance

Protect your business vehicles, drivers, and operations with coverage tailored to your commercial use.

Workers’ Compensation Insurance

Protect your employees and stay compliant with coverage for workplace injuries and lost wages.

General Liability Insruance

Safeguard your business from third-party claims involving bodily injury, property damage, or legal expenses.

Commercial Umbrella Insurance

Extend your liability coverage beyond standard policy limits for added financial protection.

Commercial Property Insurance

Protect your building, equipment, and inventory from fire, theft, vandalism, and other covered events.

Builder’s Risk Insurance

Cover construction projects against damage or loss during the build phase, including materials and equipment.

Inland Marine Insurance

Protect tools, equipment, and goods in transit or stored off-site with flexible, mobile coverage.

Surety Bonds

Guarantee your obligations and contracts with surety bonds that build trust and meet legal requirements.

From Our Clients

Khimberly Silva

18:09 03 Nov 25

My friend recommended this agency to me, and they’ve been great to work with, especially working with Paulo! He is always quick to respond and really helpful whenever needed. Working with them has been very simple and stress-free, which I really appreciate. Definitely recommend them to anyone who is looking!

Andrew Whalen

11:17 31 Oct 25

I’ve had an excellent experience with Segreve & Hall Insurance Associates Inc., especially thanks to Paulo Botelho. Paulo went above and beyond to make the entire process smooth, clear, and stress-free. He was incredibly responsive, knowledgeable, and took the time to explain all my options in detail. It’s rare to find someone who truly cares about finding the best coverage and value for their clients, but Paulo does exactly that. I highly recommend reaching out to him and the team at Segreve & Hall if you’re looking for great service and genuine professionalism.

Kaitlyn Wante Mikalaitis

21:52 23 Oct 25

Mike Brandolini and team were able to save the day to get us in our new car quickly and, better yet, at a significantly lower insurance rate. The entire process was seamless, painless, and quick. We are so glad we found Segreve & Hall! Thank you!

Anupam Gangotia

17:48 22 Oct 25

Worked with Geoffrey for our home and flood insurance!
Geoffrey helped us secured a great deal. Geoffrey is very kind and honest, has vast experience in insurance domain , and does not tries to oversell any unwanted stuff. He promptly and patiently answered all our questions . It was a great experience working with Geoffrey Cedrone.

Fritz Emmanuel

19:03 16 Oct 25

The staff at Segreve & Hall are always welcoming and always seem to have an answer to any questions I may have. The insurance consultant Michael Brandolini is quick with his response and makes time for you. He helped me to navigate insurances and have a good understanding of them. Thank you

bill coviello

02:20 16 Oct 25

Recently sold my trailer and bought a park model and my new neighbor is Paulo Botelho. He mentioned he is in the insurance business and could give me a quote. Now I'm insured for trailer and golf cart. Great policy, great price and it couldn't have gone smoother.
Thank you Segreve & Hall and especially Paulo.

Legit Medical Transportation LLC

18:54 15 Oct 25

I want to extend my heartfelt gratitude to Segregated & Hall Insurance, specifically Michael Brandolini, for their exceptional service. Michael went above and beyond to assist me in securing my Commercial Auto insurance for NEMT. His expertise and dedication made the entire process seamless and stress-free.

Michael was incredibly responsive, answering all my questions with patience and clarity. His thorough understanding of the insurance landscape and commitment to finding the best solutions for my needs truly set him apart. I felt supported every step of the way, and it was clear that he genuinely cares about his clients.

I highly recommend Segregated & Hall Insurance for anyone in need of reliable insurance solutions. Thank you, Michael, for your outstanding service!

kyle barbieri

00:24 25 Sep 25

I had such a great experience working with Thomas Segreve as my insurance agent. He took the time to really explain everything to me in a way that made sense, which I genuinely appreciated. Insurance can be overwhelming, but he made the process very smooth.
What stood out most was how responsive and easy to reach he was. Anytime I had a question, he got back to me quickly and made sure I felt confident in my decisions.
If you need someone who’s knowledgeable, trustworthy, and truly helpful, I can’t recommend Thomas enough

Schineider Kerche

16:10 01 Sep 25

I had an excellent experience with Segreve & Hall Insurance. From the beginning, the process was explained with patience and clarity, which made everything easy to understand. I felt well supported throughout, and all my questions were answered quickly.

The team is professional, knowledgeable, and very attentive. I truly appreciate the service provided and highly recommend Segreve & Hall to anyone looking for reliable insurance assistance.

tim wu

14:24 28 Aug 25

I’ve had an excellent experience working with Michael Brandolini as my auto insurance agent. He is always professional, responsive, and genuinely cares about helping his clients find the best coverage. Michael takes the time to explain details clearly and makes the whole process smooth and stress-free. I really appreciate his reliability and dedication, and I would highly recommend him to anyone looking for a trustworthy insurance agent.

Tracy Callahan

17:24 26 Aug 25

Segregated & Hall Insurance were so helpful, especially Michael Brandolini, in finding my family new home and auto insurance. We have two teen drivers and were quoted a crazy rate. Michael reviewed our policies and saved us an incredible amount of money per year! I am very happy with their service!

Beverly Hennessy

12:23 26 Aug 25

My experience working with Segreve & Hall has been great. I recently purchased a car and while at dealership the salesperson said that we just had to wait for my insurence company to respond to finish the deal as he faxed the paperwork and it may take awhile. Few minutes later he responded saying wow that was the fastest ever getting information back. Thanks to Paulo Botelho and his speedy service I was in and out of the dealership in no time and the salesperson was also impressed!!

Robert Mitchell

14:19 21 Aug 25

I had the pleasure of working with Michael Brandolini at Segreve & Hall insurance associates, and I can’t recommend them enough. They are extremely knowledgeable about insurance policies, regulations, and procedures, and they make even the most complex details easy to understand. Their professionalism and attention to detail gave me full confidence that I was making the best decisions for my needs.
What stood out most was their ability to listen carefully, explain options clearly, and guide me through the entire process without ever feeling rushed or pressured. They were always quick to respond to my questions and went above and beyond to make sure everything was handled correctly and efficiently.
If you’re looking for someone who is dependable, trustworthy, and truly has your best interest at heart, Michael Brandolini at Segreve & Hall is the person you want on your side.

Jen

15:18 20 Aug 25

I was put into contact with Segreve & Hall by the dealer I got my car from. Paulo has been excellent in helping me understand how everything works and making sure my car payments go through smoothly with no issues. Thank you for all your thoroughness and checking in on me to make sure everything is going okay! I appreciate you all so much. Highly recommend!!!

Garrett McSweeney

17:34 13 Aug 25

Michael Brandolini is a wonderful insurance agent and one of the best I have ever worked with! He is always incredibly responsive, no matter the time or day, and consistently goes above and beyond to provide the information I need quickly and clearly. Michael makes the whole process easy and stress-free, and I always feel confident knowing he has my best interests in mind. Highly recommend him to anyone looking for exceptional service and peace of mind.

Vanessa Sanchez

14:51 13 Aug 25

The main reason I am giving 5 stars is because of Michael Brandolini’s amazing service. He is always very responsive, prompt and made sure I understood my policy in depth. He is a great addition to your company and I’m very grateful to have made this switch earlier this year. Grateful to have a smooth easy process with something that is very stressful for us all. Thank you to the company & Michael

Chris R Gallo

12:41 13 Aug 25

Michael Brandolini was incredibly helpful! We had some last-minute changes for both my rental property and my new home, and he handled everything quickly and seamlessly. Excellent service and truly a pleasure to work with. Will be continuing to use this team for my future needs. 10/10 would recommend.

Ray Gowing

21:32 12 Aug 25

We were with another Insurance Agency for 30 years plus and our agent retired (a friend). No complicated policies, Family of 5 for home and auto insurance. It grew more and more difficult to deal with them, and often had to ask 3-4 times for info or policy adjustments. A friend recommended Segreve and Hall and we are glad that they did!!. Along with saving us thousands of dollars for the same policies , the service is fantastic. Any inquiry I send over via email, I have the answer within hours. A phone call has everything addressed without waiting for a call back. For us, appreciation for a customer and respect for their time means lot.!

Ryan Walshe

19:36 12 Aug 25

M. Brandolini was excellent to work with. He gave my family members and myself excellent quotes.
He took care of the transition from our old company to Segreve and Hall.
I would highly recommend.

Tim ODonoghue

17:14 12 Aug 25

Outstanding service from start to finish. Brian Segreve has been a tremendous asset to my trucking company, securing commercial insurance coverage at a competitive rate. The team at Segreve & Hall is lightning-fast in responding to questions and COI requests, and their professionalism gives me complete confidence. I couldn’t be happier with the service they provide.