Capell & Associates Inc.
Insurance Agency
Umbrella Liability Insurance for New York Businesses
Additional Liability Protection Beyond Your Primary Policies
Serving Suffolk County, Nassau County & New York City
We structure umbrella and excess liability policies for New York businesses, with a focus on Suffolk County, expanded service throughout Nassau County, and coverage options for NYC operations. Limits are selected based on contractual requirements, industry risk, and potential claim severity.
Why Umbrella & Excess Coverage Matters
Large liability claims can arise from a single accident, injury, or lawsuit. Without adequate limits, a business may be forced to pay out-of-pocket costs that threaten ongoing operations.
Umbrella and excess liability coverage can help protect against:
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Catastrophic injury or fatality claims
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Severe property damage losses
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High-dollar auto liability claims
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Contractual insurance limit requirements
This coverage is often required for larger contracts, property management agreements, and commercial clients.
