Commercial umbrella insurance gives you that extra cushion. Commercial umbrella insurance offers an extra layer of liability protection above your small business insurance policy. Once a claim ...

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them.

Now that I own an umbrella I really like, I care far too much to leave it in a cab or underneath a restaurant table. My Blunt Metro comes along with me on every vacation, and when I’m at home ...