Commercial Umbrella Insurance in Wichita Falls, TX – Montoya Insurance Group, LLC
Why Commercial Umbrella Insurance Matters in Wichita Falls
Even with general liability, commercial auto, or property insurance, your business could face claims that exceed policy limits. A single lawsuit, major accident, or catastrophic event can put your company’s assets at risk. Commercial umbrella insurance provides that extra layer of protection to keep your business financially secure.
At Montoya Insurance Group, LLC, we help Wichita Falls business owners safeguard their future with affordable umbrella policies designed to cover what standard insurance can’t.
What Our Commercial Umbrella Insurance Covers
Umbrella insurance extends and strengthens your existing policies, including:
- Excess Liability Protection – Adds coverage above the limits of your current policies.
- Auto & Trucking Claims – Extends liability for commercial auto and fleet insurance.
- Property Damage Liability – Covers high-cost property damage incidents.
- Bodily Injury Liability – Extra protection if someone is seriously injured on your property or job site.
- Legal Defense Costs – Helps cover attorney fees and court expenses.
- Gap Coverage
– Fills in exclusions not covered by standard policies.
Common Add-Ons & Options
We help Wichita Falls businesses tailor umbrella coverage with:
- Higher coverage limits for industries with greater risk
- Protection for multiple locations or large fleets
- Endorsements for contractors, manufacturers, and trucking companies
- Bundled packages with property, liability, and auto policies
Who Needs Commercial Umbrella Insurance in Wichita Falls?
This coverage is especially valuable for:
- Contractors & Construction Companies – Facing risks from worksites and liability claims.
- Transportation & Trucking Businesses – High accident exposure on busy Texas highways.
- Retailers & Restaurants – Protection from customer injuries or lawsuits.
- Manufacturers & Distributors – Covering product liability and high-dollar claims.
Local Risks to Consider
- Severe Accidents – I-44 and Kell Blvd. are prone to high-impact collisions involving commercial vehicles.
- Worksite Liability – Construction and contracting jobs create significant injury risks.
- Litigation Costs
– Rising medical and legal expenses mean standard coverage may not be enough.
FAQs – Commercial Umbrella Insurance in Wichita Falls
Is commercial umbrella insurance required in Texas?
It’s not required, but many larger contracts and clients will request proof of coverage.
How much umbrella insurance should my business have?
Most policies start at $1 million in extra coverage, but we’ll help you determine the right limits for your industry and risks.
Does umbrella insurance replace general liability?
No. It works on top of your existing liability coverage to expand protection.
Can umbrella insurance cover fleets or multiple business locations?
Yes. It’s ideal for businesses with multiple vehicles, properties, or higher liability exposures.
Do you provide bilingual service?
Yes. Montoya Insurance Group, LLC proudly serves Wichita Falls businesses in both English and Vietnamese.
Extra Protection for Peace of Mind
Get the Right Commercial Umbrella Insurance in Wichita Falls, TX
At Montoya Insurance Group, LLC, we believe in protecting Wichita Falls businesses from every angle. Our commercial umbrella policies provide the extra coverage you need when standard policies fall short — giving you peace of mind and the freedom to focus on growing your business.