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    Commercial Liability Umbrella Insurance

    Your business depends on your covering all the bases. You can depend on us for your insurance.

    Commercial Liability Umbrella Insurance from the Ryan Agencies


    Your standard business liability insurance provides protection for most of the situations your business will encounter. But if something big happens—something really big—the limits of your standard insurance policy may not be enough. Having a Commercial Liability Umbrella Insurance policy can extend the limits of a single underlying general liability, auto liability, employers’ liability or liquor liability policy.

    We work with some of the county's top-rated insurers to provide you with the options you need to thoroughly protect your business at a cost that is easy on your budget.


    Stop in and see us today, or give us a call. We would LOVE to learn more about your business and assist you with securing the right insurance coverage for it.

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    A Business, A Legacy, A Long-Lost Sign

    March 11, 2025
    The year 1962 was marked by historic events—from the Cuban Missile Crisis to the passing of Marilyn Monroe. But while the world focused on these headlines, Lee A. Ryan was working alongside his brothers on my grandparents' farm when an unexpected opportunity arose—an invitation to join the insurance business. With no prior experience, no clients, and limited resources, my dad took a leap of faith and partnered with Nationwide Insurance to start an agency from scratch. Operating out of his home on Karr Valley Road in Almond, NY, he built his business one relationship at a time (some of whom are still clients!), laying the foundation for what would become a lasting legacy.
    “Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”

    “Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”

    By Jeff Ryan • February 3, 2025
    “Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”
    Many don’t realize that the insurance industry is one of the country's most regulated business segme

    How is the insurance industry held accountable to protect policyholders?

    By Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU • January 21, 2025
    Many don’t realize that the insurance industry is one of the country's most regulated business segments, especially in New York State. The New York State Department of Financial Services (NYS DFS) wields significant control over the insurance business and has a stated goal of protecting consumers.
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