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

Peter Alabiso

10:28 21 Jul 26

I recently rewrote my auto, homeowners and umbrella policies with Segreve and Hall, who came highly receommended. Working with Sean was very straightforward and efficient. All questions were answered, in a very professional manner. A significant savings over the policies my former agent had me in for identical coverage. Very happy with the interaction and result.

Andy Chiango

02:23 17 Jul 26

I have been a client of Segreve and Hall for some time now. I have had nothing but great experiences and interactions with the team at Segreve and Hall. Dan St. Pierre has always been my go to point of contact. Recently, Dan was out and Fin and Michael Brandolini helped me transfer an auto policy. As always the team was great. They quickly worked through the process and got me into a new policy. They have all of my insurance business and I am grateful.

Kellie S

17:07 07 Jul 26

Excellent experience with Segreve & Hall Insurance Associates! Thomas went above and beyond to make sure I had the right coverage and everything was accurate. He also helped resolve an issue with my renters insurance by quickly updating the documentation multiple times, which saved me from unnecessary charges by my apartment complex. The team was always responsive, professional, and genuinely cared about getting everything right. Highly recommend!

Victoria Cusanello

01:56 01 Jul 26

Three generations of my family are insured through Segreve and Hall, and I cannot speak more highly of the service Thomas has provided for us recently. When I needed my car insured after moving back to MA, he took care of everything. It is hard to come by a trustworthy company like Segreve and Hall that consistently exceeds expectations and is so responsive and transparent at the same time. Highly recommend these folks for any and all insurance needs!

Dennis Molla

22:25 02 Jun 26

We've been using S & H Insurance Associates for 10+ years.
I have all of my construction company insurance with them + personal cars and motorcycle.
They work efficiently, get back to me with information quickly, never any problems.
Highly recommend them.

Maryanne Ham

13:06 15 May 26

We recently transferred over our insurance and received prompt, kind, and professional support throughout the process. Thomas S made everything easy and took the time to answer our questions clearly. We really appreciated the smooth experience and excellent customer service.

Emad Lababidi

13:06 01 May 26

I have been working with S&H insurance for the past few years; I have insured multiple properties and autos. S&H has provided me excellent service, prices and has been responsive to all the questions I had throughout the years. Sean, Dan, Ashley and other staff have been excellent with the attitude and friendliness to work with. They have even asked me to provide my kids school transcript in order to help us reduce the cost of the insurance. They have gone above and beyond in service compared to many insurance companies I have dealt with in the past. They have provided me with many quotes from different sources to compare prices and made the process easy to select the right insurance for us. I would recommend S&H Insurance company to anyone because of the responsiveness, knowledge and reliability.

Tim Klingenberger

17:29 09 Apr 26

Every once in a great while , and seldom these days, you meet a true professional.
Paul Botelho is an absolute Professional.
I was really impressed by Paul and his professional, fast, and friendly service.
He answered all my questions and guided me through the things in needed help on.
After 35 years working with the top luxury brands I can definitely say that Paul provides a high performing top tier service that feels like a luxury experience with great pricing. You’ll be glad you called him. He truly appreciates his clients and it shows.

Etson Tavares

13:19 30 Mar 26

Always great to work with Segreve & Hall. The people there are fantastic, professional and they help make the process simple and stress free. Second time getting a different policy and both times went smoothly. This recent policy was a commercial policy and I was assisted by Paulo. He was extremely helpful and worked diligently to get me the best price possible. Given the current insurance market conditions I’m extremely satisfied with the premium I received. Top notch customer service. More importantly the continued customer support they provide. Highly recommend Segreve and Hall.

Max Giesen

11:52 04 Mar 26

Segreve Hall insurance made the process of getting insurance easy. We checked with multiple agencies and firms, however Thomas helped us find the best deal for our new home. He was extremely responsive and patient with us throughout the whole process. We will definitely be going to them for any of our insurance needs.

Elineth More

14:25 03 Feb 26

I had a great experience working with Segreve & Hall Insurance, especially with Paulo Botelho. I checked with a few different agencies, but this one truly went above and beyond. Paulo was super helpful, responsive, and found me excellent prices—especially with having multiple policies. The whole process was smooth and stress-free. Highly recommend!

Mark Nash

17:02 30 Jan 26

I was looking for a commercial auto policy and found Segreve & Hall online. I decided to give them a try based on their excellent reviews. I spoke with Dan St. Pierre first, and provided information on the phone and via email. Within a couple of hours, Paulo Botelho sent me two very competitive quotes. I was already impressed by how responsive they were. Then I had several phone calls with Paulo on the following days, and went over the details. Since this was my first commercial policy, Paulo gave me a very good explanation of its differences from a personal one. He also helped adding the business name to the registry. It has been a great experience working with Paulo. I have no hesitation recommending Segreve & Hall to anyone with insurance needs. A job well done!

Elizabeth Perry

00:30 30 Jan 26

I was looking to change insurance and reduce our out of pocket expenses for both auto and homeowners. Paul Botelho came highly recommended to me and he did not disappoint. He advised what the best option would be and then he streamlined the change very quickly. He kept me informed of the process and answered all my questions promptly and was a wealth of knowledge. I would highly recommend Segreve and Hall as well as Paul.

joel diaz

16:19 28 Jan 26

Paulo was an awesome help! Helped me save hundreds on my auto insurance. 10/10 recommend doing business with him. I’ve already sent family members his way for insurance, and will continue to send anybody I know in need his way. Thanks again!

Damian Marciante

18:02 27 Jan 26

I have my home, business and autos with Segreve & Hall, very happy with the service, always very responsive to my needs and very knowlegeable. They always try offer alternatives to try to save me money. Michael Brandolini and the whole team at Segreve & Hall is alway very helpful when I call in.

Barbara Bell

15:31 23 Jan 26

The agency was enthusiastically recommended by a friend and everything has lived up to my expectations.Everyone at this agency has been great in helping me to obtain insurance for my new home and transfer my auto insurance. They have made it so easy. Each person I have dealt with has been professional, courteous, responsive and knowledgeable.

Michael Capozzi

18:06 16 Jan 26

I dealt with Tom Segreve at Segreve & Hall when we wanted to compare different insurance companies for our homeowners and our auto policies. Tom was very helpful and checked several top insurance companies that they offer. He found us the right coverage and also saved us money! We highly recommend them!

Kevin Duffy

17:00 16 Jan 26

Couldn't be more happy with the service I received from Brian Segreve at Segreve and Hall Insurance Associates. I recently bought my first home and he made getting my home and auto insurance easy and strait-forward, and I felt like he genuinely care about finding the best coverage for me and my family. All my questions were answered promptly, and everything was explained in a way that made sense. Highly recommend!

Robert Genduso

17:06 28 Nov 25

A relative referred me to S&H as I had indicated a change was needed with my current agent of 32yrs. I connected with Finn Collins at S&H and explained my situation and what I was hoping to do. He asked a few questions, I provided my coverage sheets and he took it home from there. He mapped all my options as requested to the T, made a few suggestions on gaps in my current plan and provided options all of which were better than my current rates but with more coverage. Too good to be true? I inquired on how drivers with near perfect driving records and a 30+yr relationship with existing carrier can get better rates with new carrier and no history. He provided industry white papers explaining how....Who knew? I do now. Thank you S&H and Thank you Finn C! I am passing on your info to my contacts!
RG

Lara Bastajian

04:38 26 Nov 25

I had an excellent experience working with Segreve & Hall. They were incredibly customer-centric, responsive, and made the entire process easy from start to finish. Their team went above and beyond to make sure everything was handled quickly and correctly. I highly recommend them to anyone looking for knowledgeable, reliable, and genuinely helpful insurance experts.