Commercial Umbrella Insurance

What Is Commercial Umbrella Insurance?

Commercial umbrella insurance provides an additional layer of liability protection that extends beyond the limits of your primary commercial policies. This coverage kicks in when claims exceed the limits of your general liability, commercial auto, or other underlying policies. Umbrella insurance also provides broader coverage for certain exposures that might not be fully covered by your primary policies.

Why Your Business Needs

Commercial Umbrella

Coverage

In today's litigious environment, million-dollar lawsuits are increasingly common. Standard liability policies may provide $1-2 million in coverage, but a single severe incident could result in claims that far exceed these limits. Commercial umbrella insurance protects your business assets, future earnings, and personal assets from catastrophic claims. For a relatively small premium, umbrella coverage provides substantial additional protection that could save your business from bankruptcy in the event of a major lawsuit.

Protect Your Business Today

How Commercial Insurance Works at JSM

Step 1

Assess Your Risks

We begin with a personalized consultation to assess your unique insurance needs. Our team identifies industry-specific challenges and potential coverage gaps.

Step 2

Design Your Coverage

We craft a comprehensive package tailored to your business and budget. No cookie-cutter policies—just protection built specifically for your operations.

Step 3

Protect & Support

We stay by your side long after your coverage is in place. From policy updates to claims support, we ensure your protection evolves.

Get Started

What Our Clients Say

Real feedback from real clients who've experienced the JSM difference.

"This is a test card. The full list will show on the published site."

John Doe

CEO, TechCorp

"This is a test card. The full list will show on the published site. dfsog hifd sgfdo sgbdf sgodf nsoig nfdsig odf."

John Doe

CEO, TechCorp

Let me just start off by saying this JSM Brokerage is by far the best insurance brokerage. Danielle saved me $100 a month on my car insurance and I will be forever grateful. Not only did she save me money but, she stood late (on a day she was leaving early) to make sure my insurance was completely switched over. She has been very responsive (even on weekends) and helpful throughout the whole process. I highly recommend JSM.

Gia A.

We love JSM. Michelle has been doing our home owners insurance for the past 5 years and is always ready and available when we have any questions or concerns. Everyone at the company seems like family! A great place to work with!

Seema P.

Michelle and the rest of the JSM team are by far the best. Prompt service. Wouldn't take my business anywhere else!

Kayla M.

Absolutely love JSM. They are completely dedicated, quick to respond, knowledgable, and incredibly helpful. Don't go anywhere else for insurance. Top quality, great company. Danielle has been an incredible help and helped me save tremendously. I recommend them to everyone.

Marie M.

I’ve been working with JSM Brokerage for my general liability and workers comp insurance across both of my businesses, and I honestly can’t say enough good things. The customer service and communication are top-notch—they are always responsive, knowledgeable, and genuinely cares about getting me the best coverage. They make the process easy and stress-free, and it’s clear they are looking out for my best interest.

Nick Moran

I highly recommend JSM! Tom is the most helpful person and he took care of everything I needed!

Meghan Daly

Great firm! Tom is always available whenever I have any questions. Very happy with the service at JSM!

Erik Z.

JSM has been saving me money on my insurance for years. Highly recommended

Gabriella Macari

My experience with JSM Brokerage is and continues to be the best. Very professional. Thom M. is just the Best!

Jose Mendez Lombardo

JSM was great in helping me get a quote for my boat that was better than my bundle from my home insurance provider. Would recommend them to all my friends and family.

Keith Pleines

I've sent several colleagues of mine to this company and everyone said they were not only helpful but professional. Mr. Murray in particular always returned calls and gave the best guidance for their business needs. Several expressed their satisfaction to all their questions and that Mr. Murray guided them through any difficulties. I appreciate the personal care that was taken by JMS Brokerage to my associates. Don't hesitate to call.

Dawn Pellechi

I’ve had insurance for my boat through JSM for well over a year and every time I call they’re very responsive, helpful and they provide excellent customer service. They do the best they can for their clientele and provide great value in their quotes, trust JSM for your insurance needs.

Joey LaMonica

JSM is amazing! Danielle has gone to bat on multiple claims for us - particularly a homeowner claim where she made sure we got all new flooring. She has an eye for detail and will do her best for you.

Katy Berry

Purchasing new homeowners policy and Danielle Flinter was amazing. She sent me multiple quotes and handled all of my questions and offered me great advice. Highly recommend

Judy Comando

I have been a client of JSM for approximately 10 years. I have done business with JSM on Long Island, NY and in Northern Palm Beach, FL. I have found JSM staff members to be always responsive to my insurance needs, providing their advice and services in a timely and skillful manner.

Aristides Mojica

JSM is an exceptional company and Danielle Flinter has gone above and beyond in terms of customer service and professionalism. She has gone out of her way to explain thoroughly the pricing, the details of the plans, and all with the utmost integrity having the customers best interest in mind. I feel confident having my insurance plans with JSM and especially refer Danielle to all of my friends with ease.

Jill Verdi

Danielle Flinter is my insurance broker. She constantly shops for the best rates. She always saves my wife and I money. I’ve always had the best customer service from JSM. The staff is really good, and the company is just run very well! If you need insurance, go with JSM Brokerage.

Brendan Canberg

I highly recommend JSM!! Tom is my broker and he ALWAYS goes above and beyond. Very Professional. He always has answers to my questions and he is very quick with responding back right away. If you are looking for a broker thats fast, smart, efficient and professional, that knows how to save you money, then look no further. He is the absolute BEST!!!

Bita Kasaean

I've been with JSM since I got my first car, like a thousand years ago. They are the very responsive and kind people and help you in anyway they can. It is rare in this day and age to work with a company that cares about their clients. Shout out to Joseph G. He is super helpful.

Nicole Kutun

This is the first time using JSM Brokerage and I definitely would recommend them to anyone experiencing large increases in their car or home insurance. Dana F. was very helpful and persistent in finding me what I needed in a homeowner insurance policy. I am very pleased with my experience and know I can always depend on Dana to get back to me if I have any questions!

Audrey Server

Contact Us

We’re here to assist you with your insurance needs.

info@jsmbrokerage.com

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