New Year, Higher Risks? Why a Commercial Umbrella Policy Matters for Your Business in 2026

As 2026 begins, many Texas business owners are reassessing their insurance coverage. New challenges and shifting risks make it crucial to review your policies. At One Choice Insurance, we understand the concerns local businesses face and can guide you through liability coverage options, especially when standard policies may not be enough.

What Is a Commercial Umbrella Policy?

A commercial umbrella policy adds liability coverage above the limits of your existing business insurance, such as general liability, commercial auto or employer’s liability. If a major claim or lawsuit exceeds your primary policy limits, umbrella insurance may cover the additional costs, helping reduce the financial impact on your business.

Who Should Get This Coverage?

This policy may be suitable for small and medium-sized businesses that require broader liability limits. This coverage may be particularly beneficial if your business:

• Owns or operates vehicles
• Has significant assets that may be at risk
• Faces higher-than-average liability exposures

Why Consider This in 2026?

Legal costs, jury awards and new risks can rise each year, so your business may face greater challenges over time. Inflation, cyber threats and new regulations can cause higher liability claims, and even one accident or lawsuit can exhaust your standard coverage limits. A commercial umbrella policy may provide additional financial support when you reach these limits, allowing your business to manage unexpected costs more effectively.

How One Choice Insurance Can Help

We work with business owners to review risks and suggest solutions that align with your budget and goals. Contact One Choice Insurance today to discuss your options and get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.