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Umbrella Insurance

When it rains, it pours.

Stay Protected With a Policy That Goes Above and Beyond

Umbrella insurance, also known as excess liability coverage, is designed to keep you and your assets protected if you ever reach the limits of other specified policies. When an insured is liable to someone, the insured's primary insurance policies pay only up to their limits. Additional amounts could be paid by the umbrella policy, up to the policy's limit.

The versatility of an umbrella policy means that you will always have some liability coverage to fall back on, even if it is discovered that your applicable primary policy has a lower limit than you need.

Some Things Umbrella Policies Are Used For

  • Bodily Injuries - covers cost of medical bills and/or liability claims as a result of injuries from second party member that the insured’s primary liability policy cannot cover.
  • Damage to property - covers cost of damage to property, accidental or otherwise, created by an outside force or member.
  • Certain lawsuits - coverage is available for situations such as being sued for slander, libel, false arrest, and more.
  • Owners of rental units - helps protect against liability claims as a result of issues created by outside forces or members if added to the policy
  • Defense coverage - covers attorney fees and other legal costs
  • Worldwide coverage - coverage for incidents that have happened abroad.

Why You Need Umbrella Insurance

Your assets including college funds, retirement savings, and more could be at risk without having umbrella insurance to make sure you can pay up when a liability claim exceeds your primary policy limits.

After working so hard to maintain your assets, don’t lose them to a lawsuit. Find the right umbrella insurance policy to extend your liability coverage today.

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