Small Business Insurance
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Testimonials

Clients Love Spiris' Commitment : Cullen S. Gibson

Vice President of Operations TLC Management, Inc.

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"I have worked with Spiris for several years and have found their organization to be a great partner and advocate for our Industry. It is critical these days to align yourself with other organizations that can bring you the best product that meets your ongoing needs. Spiris is a creative company that can certainly bring a product to your table that fits your business philosophy and financial needs. And more importantly, once the deal is struck, Spiris keeps working for you to find a better product if one is out there. I define this as staying on the cutting edge of the insurance market."

Mike Vondruska

Owner and Juggler, Illinois Juggling Institute

Bollingbrook, Illinois

"I found Spiris on the Internet. I was in a rush because I had a gig coming up where my client wanted ‘an additionally insured’ document from my insurance company. I had just found out my former company did not cover students. Spiris was the quickest to respond, had the coverage I was looking for, and for a heck of a lot cheaper than I was paying."

Umbrella and Excess Liability Insurance quotes

Umbrella and Excess Liability Insurance quotes

Excess insurance, often known as umbrella insurance, is a “backup plan” that provides coverage beyond the limits set by other policies. Premiums are typically low because this insurance only kicks in when the primary coverage is exhausted.

This insurance can save your business when:

  • Claims in a lawsuit exceed coverage in your general liability policy limits
  • Costs associated with an auto accident exceed your auto liability policy limits
  • An employee illness or injury costs more than employer liability covers

When considering how much coverage to purchase, many business owners simply set a limit high enough to protect their assets. However, the real test for a small business owner is a worst-case scenario, in which people are killed or injured.

Considering the very low premiums, umbrella insurance is one of the best insurance deals around and is typically a “no-brainer.”