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Business Umbrella (Excess Catastrophe Liability) Insurance for MD, VA, PA

No matter how well you plan, accidents can still occur; and depending on the circumstances, the resultant claims against your business can far exceed your planned coverages. When this happens, it can put your entire business at risk unless you have an ‘umbrella’ for protection.

Here at the William M. Sparks Insurance Agency in Lutherville / Timonium, Maryland (Baltimore County) we will look at your current business liability insurance coverages and help you decide on the right path whether you are located in Maryland (MD), Virginia (VA) or Pnnsylvania (PA).

 What is Business Umbrella Insurance Coverage?

Business catastrophe liability insurance is sometimes referred to as 'business excess liability' or  ‘business umbrella’ insurance.  This insurance adds an additional one million dollars or more beyond the amounts available in your company’s present policies for auto and other liability, and it stipulates certain levels of coverage on your company’s various primary insurance policies.

 Already have Umbrella Coverage for your business? 

Why not sit down with one of our agents for a no-obligation policy review to assure that you are getting the best rates for the coverage you need for MD, VA or PA?

 If you don't yet have umbrella coverage for catastrophe and excess liability protection, why not speak to our representatives at the William M. Sparks Insurance Agency today to arrange for that extra umbrella over your business? 

Just contact us to learn how to get started.


The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the William M. Sparks Insurance Agency before making any decisions or choosing a course of action.

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Our Carriers


William M. Sparks Insurance Agency, Inc., Insurance Services, Timonium, MD

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