Even the most well-insured businesses can face claims that exceed their standard policy limits. That’s where New Hampshire Commercial Umbrella Insurance comes in. At Segreve & Hall, we help protect your company from costly lawsuits, medical claims, and property damage that surpass your base coverage. Our policies offer extra peace of mind for business owners across New Hampshire—so you’re never caught off guard by the unexpected.
New Hampshire Commercial Umbrella Insurance for Comprehensive Liability Coverage
Trusted by Businesses for 30+ years 
Extend Liability Protection Beyond the Basics
Coverage that activates when standard limits are exhausted
Standard commercial policies have limits—and sometimes, those limits aren’t enough. A serious accident or lawsuit can quickly surpass your general liability or auto policy. With a New Hampshire Commercial Umbrella Insurance policy, you get added protection that covers those excess costs, ensuring your business stays financially secure even when claims go beyond expectations.
Safeguard Against High-Cost Claims
Protection for legal defense, settlements, and judgment payouts
Lawsuits are expensive. Whether it’s a customer injury, defamation claim, or major auto accident, commercial umbrella coverage helps cover defense costs, legal fees, and damages once your underlying policies are maxed out. It’s an affordable way to shield your assets from large, unpredictable expenses.
Covered claim types often include:
- Bodily injury to customers or third parties
- Property damage caused by employees or operations
- Commercial auto accidents exceeding standard limits
- Legal defense and court judgment costs
- Personal or advertising injury (like slander or libel)
This additional coverage gives your business the cushion it needs to withstand costly claims that could otherwise cripple operations.
Custom Coverage for New Hampshire Businesses
Scalable umbrella insurance that fits your risk level
We know every business has different exposures. A restaurant in Portsmouth may need more coverage than a small marketing firm in Concord. That’s why we offer scalable umbrella policies tailored to your size, industry, and risk profile. Our team will help evaluate your existing insurance and recommend an umbrella solution that strengthens your overall liability strategy.
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From Our Clients
It was a pleasure working with my agent Finn Collins. I recently switched my Auto and Home/Umbrella Insurance over and he made the transition smooth and seamless. He was fast with the quotes and very responsive in getting the new policies set up.
I had a fantastic experience working with the Segreve & Hall team. As I was preparing for an interstate move, Paulo Botelho and the rest of the team were all incredibly helpful in quoting and starting new auto and renters policies. They went above and beyond to make this step of the moving process smooth and seamless. I'm very happy with the policies/prices we landed on, and I cannot recommend the team highly enough!
I worked with Paulo Botelho of Segreve & Hall on obtaining insurance for a new seasonal residence in Maine. Paul was very knowledgeable, efficient, very easy to work with and I was able to quickly obtain excellent coverage at a premium much lower than I expected. I highly recommend Paulo and his firm.
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.
Great communication from them. Always answer all my questions promptly and are great to work with.
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.
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!
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!
Great staff , Communication on point, Very helpfulHighly recommend this agents.
They have helped me and I'm satisfied beyond measure they are really good for me
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!
Tom has been a pleasure to work with and secured me a good rate on home insurance. Great experience.
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
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!
These guys are the real deal !A pleasure to work with and they really care about making life easier for everyone!Great work boys !
I had a great experience working with Paulo, He helped me to decrease the price of my home insurance.
They got me a really good quote in a short amount of time. I would definitely recommend Segreve & Hall
Thomas and Sean are awesome they have been instrumental in the success of my business!
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.
Frequently asked questions
Do all businesses need commercial umbrella insurance in New Hampshire?
Not necessarily—but if your business interacts with the public, has company vehicles, or provides professional services, umbrella insurance is strongly recommended. It adds an extra layer of liability protection that can be essential in a major claim scenario.
What policies does commercial umbrella insurance extend?
Umbrella insurance typically extends coverage for general liability, commercial auto, and employer’s liability policies. It doesn’t replace these base policies but kicks in when their limits have been exhausted, helping you avoid out-of-pocket costs.
How much umbrella coverage should a New Hampshire business carry?
The ideal coverage amount depends on your business size, assets, and exposure to risk. Many small businesses choose $1–$5 million in coverage. Our advisors will assess your liability landscape and recommend a level of protection that’s both cost-effective and sufficient.
