Insurance that covers
what is umbrella insurance?
Personal Umbrella Insurance, or excess liability as it is sometimes referred to, is designed to protect the insured in the event they find themselves in a lawsuit and/or other undue expenses resulting from a covered claim or loss. The Personal Umbrella provides coverages for situations such as accidents on your property or away from it such as an auto accident. Umbrella Coverages act just like a real umbrella you would use in the event of rain or other bad weather situations. They are there to shelter you from potential large financial loss in the event you are found to be legally liable for a loss or claim.
Often times the price for an Umbrella Policy is very low in conjunction to the value of financial protection you receive in the form of policy coverages. Umbrella Insurance is typically designed to go over the top of your home, auto, and recreational vehicles liability limits and is typically at least $1,000,000 worth of coverage/protection.
Risks We Cover
bodily injury liability
Bodily Injury Liability is coverage that helps you pay for another person's injuries in an accident for which you are found to be at fault.
Helps pay for your expenses if you're found legally responsible after someone is injured on your property or if you are required to pay for damage done to someone else's property.
slander and libel
Coverages applied when slander and libel claims are made against the insured. Slander refers to defamatory statements that are spoken, while libel refers to defamatory statements that are written.
property damage liability
Property Damage Liability Coverage pays for damage you may cause to another person.
We'd love to share our knowledge and experience
We have been asked on more than one occasion “What is the right or proper amount of insurance to purchase to properly cover my family and business?” All we can do is advise you on what you currently have and give you the coverage options and pricing to see what fits within your budget the best. You may still not have enough coverage, but at least you are able to make an informed decision as often times, we hear from new clients they were never offered or quoted a Personal Umbrella Policy. There are certain exceptions and limitations when it comes to what each insurance company will or will not cover in the event of a loss or claim. It is always best to review all your insurance coverages with your agent annually. For any agent to be able to properly advise you of insurance coverages and your specific needs, they need to gather certain information such as the underlying limits of liability on your Homeowners, Auto and Recreational Policy.
Most Umbrella Insurance carriers require you to carry certain limits on your other policies to properly insure there are no gaps in coverages between the policies when it comes to paying a claim. Speak with an insurance agent today about adding or increasing your Umbrella Insurance Coverage.
What we can do for you
Bundle your Umbrella Insurance
Because drivers are so unpredictable, you never know when an unavoidable accident could happen. Let us protect you from that scenario.
Your home is maybe the most vulnerable to numerous risks of all your investments. We can insure your home and family from financial danger.
Over the years, you’ll find comfort in knowing money will be available to protect your loved ones in the event of your passing. Let us provide this relief.