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.

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Trusted by Businesses for 30+ years

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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.

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Explore Our Massachusetts Commercial Insurance Solutions

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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

haley connelly

19:12 09 Jun 25

I worked with Hunter and Adam on getting health insurance last minute. I was unaware I’d lose coverage when I turned 26 and was desperate for help. They made the process simple for me and I had no gap in coverage. I look forward to working with them in the future for my other insurance needs.

Emily Jutras

19:04 06 Jun 25

Great communication from them. Always answer all my questions promptly and are great to work with.

John Giardina

15:47 06 Jun 25

I had an exceptional experience working with Hunter and his amazing team, Adam and Michael. From the very first consultation, Hunter took the time to thoroughly understand my needs and explained all my options with clarity and patience. His professionalism, expertise, and genuine care made the entire process smooth and stress-free.Thanks to Hunter and his team, I now have a comprehensive life insurance plan that gives me peace of mind for the future. I highly recommend them to anyone seeking trustworthy, knowledgeable, and caring insurance professionals. Five stars.

Carol Zuccala

13:06 06 Jun 25

Paulo is so very helpful with everything we have needed so far. He even had to re-route our policy from an old address and did that without a problem. Very smooth transition from our former agency. Thank you Paulo!

Jared Shepard

20:20 05 Jun 25

I was looking for both flood and homeowner's insurance for my first home with my fiance, and a client connected me with Michael Segreve. I worked with Michael Brandolini to get both homeowner's insurance and and flood insurance, as well as a new auto policy. Michael was extremely helpful and prompt, and a great communicator. I strongly recommend Segreve and Hall, specifically Michael Brandolini for insurance needs!

Hugo Tavares

15:15 05 Jun 25

Great staff , Communication on point, Very helpfulHighly recommend this agents.

Feed My Lamb Uganda

15:07 05 Jun 25

They have helped me and I'm satisfied beyond measure they are really good for me

Nick Fitopoulos

14:49 05 Jun 25

I recently turned 26 and needed to find my own health insurance for the first time. I worked with Hunter, who made the entire process incredibly smooth and stress-free. He took the time to explain my options clearly and helped me enroll in a Tufts plan that fits my needs perfectly. What I expected to be a confusing and overwhelming experience turned out to be simple and straightforward, thanks to Hunter and the Segrave & Hall Team. I’m so grateful for their support and highly recommend their services!

Shane Levy

21:53 04 Jun 25

Tom has been a pleasure to work with and secured me a good rate on home insurance. Great experience.

Steve Parent

09:17 31 May 25

Our agent Geoffrey paid attention to our needs and got us what we wanted and looked at diferante option to get us the best rate possible

Michael Mannion

18:08 16 May 25

Recently switched over my auto insurance. My agent, Fionbarra Collins, saved me a lot of money from what I was previously paying. Highly recommend giving them a shot!

Derik

16:03 14 May 25

These guys are the real deal !A pleasure to work with and they really care about making life easier for everyone!Great work boys !

Murilo Vidal

17:01 13 May 25

I had a great experience working with Paulo, He helped me to decrease the price of my home insurance.

Taylor Augello

22:32 07 May 25

They got me a really good quote in a short amount of time. I would definitely recommend Segreve & Hall

Kevin Ham

12:52 07 May 25

Thomas and Sean are awesome they have been instrumental in the success of my business!

Curtis Perry Jr

18:39 06 May 25

Awesome people easy to work with Tom awesome at his job

Ryan Cogan

14:02 05 May 25

Brian was great with talking me through my first homeowners policy. He found us a great rate and executed a seamless closing with our mortgage broker. Will be looking into more policies with Segreve & Hall in the future.

Andrew Fonzi

00:43 02 May 25

I recently switched over all my insurance with Segreve, both personal and corporate. They have been nothing but amazing! Whenever I need something I get a response within minutes and requested documents within 30 minutes or at the latest same day. I have worked with other agencies in the past and they are hands down the best! The whole team and family are very friendly, hard working, great attention to detail and professional. I would highly recommend to anyone!

Nick Eisenhauer

17:18 22 Apr 25

1 year review. I'm a high maintenance situation because I have 5 vehicles, 5 trailers, commercial plates, residential plates, snowmobiles, and General liability insurance for my business. All 1 stop shopping from Seagrave & Hall Insurance. Switching company's and policy's was easy. Their communication is great and they even saved me money with an end result of better coverage!!! When I buy a house I will be using them for that also.

Jimit

17:12 10 Apr 25

They are great, I have been using their services since past 4 years and they are always willing to help. Super professional, knowledgeable and gets you the best prices.