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  • Robert Truska

Umbrella's Are Not Only For Rainy Days

At Truska Insurance Agency, Inc. we think you should carry an umbrella every day, a commercial umbrella policy of course.


An umbrella is a type of casualty insurance that supplements the policy limits of your underlying primary insurance policies, such as general liability, auto liability, etc. It can help cover costs such as legal fees, damages, and medical expenses in the event of a large loss.

If your business does any of the following, we highly recommend an umbrella policy.


  • Do customers or vendors visit your office?

  • Operate machinery that can cause injury?

  • Use social media to promote your business?

  • Contract with outside contractors such as cleaning, plowing, or landscaping companies?

  • Deliver products to other business or homes?

  • Provide company vehicles to employees (or allow use of personal cars for business)?

  • Advertise your business in newspapers, TV, radio, or billboards?

  • Share office space with other businesses?

  • Serve food or beverages?

  • Have packages delivered to your office?

  • Rent office space to others?


If you answered yes to any of these questions, your business needs an umbrella policy. Umbrella policies are not only are smart business decision they are very cost effective. A million-dollar policy starts at $300 per year. Please reach out to Truska Insurance for more information.

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