Business Umbrella Insurance in Hattiesburg, Mississippi
Because Your Liability Risk Doesn’t End at the Limit
Your business might have general liability, commercial auto, or workers’ compensation insurance—but the risk of a large judgment or lawsuit doesn’t stop there. At Howlett Insurance Agency, we provide businesses across Hattiesburg, Forrest County, Lamar County, Perry County and beyond with business umbrella insurance designed to protect against the “what‑ifs” that exceed standard coverage.
As your local independent agency, we combine Mississippi business‑market expertise with personalized service—no automated voice menus, just real support when you need it most.
What Does Business Umbrella Insurance Cover?
A business umbrella policy provides an extra layer of liability protection above and beyond your existing policies—such as general liability or commercial auto. If a claim surpasses the limits of the underlying policy, the umbrella steps in. Key coverage features typically include:
Excess Bodily Injury & Property Damage
If someone is injured on your premises or your operation causes property damage that exceeds your primary liability limit, the umbrella fills the gap.
Legal Defense Costs
Besides damages, legal and court costs can drain your business. The umbrella policy helps cover defense expenses once your underlying liability limits are reached.
Multiple Underlying Policies
A business umbrella policy often works across several underlying liability policies (general liability, commercial auto, etc.), offering broader protection.
Large‑Scale Claim Protection
Today’s litigation environment means even modest incidents can trigger large judgments. The umbrella is designed to protect your business’s financial foundation.
Why Choose Howlett Insurance Agency for Your Umbrella Coverage?
Local. Business‑Focused. Reliable.
Business Expertise in Mississippi
We know the risks local business owners face and help ensure your coverage aligns with your operations.
Independent Agency Advantage
We aren’t tied to one carrier. We compare multiple insurers to find the umbrella policy that fits your business size, industry, and budget.
Simple, Clear Advice
We explain how your existing insurance works and how the umbrella adds value—no complicated jargon, no pressure.
Responsive Service
When your business needs to act, we act. You reach licensed local agents who understand what’s at stake.
Common Questions About Business Umbrella Insurance
Do I need business umbrella insurance if I already have liability coverage?
Yes—because standard liability policies have limits. If a claim exceeds those limits, your business may be responsible. An umbrella policy fills in the excess.
What type of businesses should consider it?
Any business with liability exposure—especially those dealing with the public, vehicles, or job sites—should evaluate an umbrella policy.
How much does it cost?
Cost varies by industry, existing coverage limits, location, and exposure. It’s often more cost‑effective than simply increasing underlying liability limits.
Does it cover all insurance types?
No—it typically covers liability exposures above your primary policies. It may not extend to certain professional liability (errors & omissions) or property damage excluded by underlying policies.
How much coverage should I get?
That depends on your business size, industry risk, contract requirements, and financial exposure. We’ll walk through your risk profile to determine a suitable limit.
Protect Your Business—Without Leaving Gaps
A major claim shouldn’t threaten everything you’ve built. With business umbrella insurance from Howlett Insurance Agency, you gain an extra layer of security, tailored for your business in Mississippi—and backed by service that shows up when it counts.