Umbrella Insurance Policies
Umbrella insurance provides essential financial protection for those unforeseen, high-cost events that standard policies may not fully cover. It’s an affordable way to ensure you and your family’s assets are secure, no matter what life throws your way.
Umbrella insurance provides an extra layer of liability protection beyond the limits of your standard insurance policies, such as auto, homeowners, boat, or other personal insurance.
It’s designed to protect you from significant financial losses resulting from large claims, lawsuits, or unforeseen accidents where your primary insurance limits are exceeded. Think of it as a safety net that ensures your assets and future earnings are shielded from costly legal judgments.
Affordable umbrella policies for what your life demands
Why Umbrella Insurance?
Protecting Assets: Provides additional protection for personal assets such as your home, savings, investments, and future earnings.
High-Risk Situations: Essential for those with higher exposure to liability risks (e.g., owning a pool, having teen drivers, or frequently hosting guests).
Peace of Mind: Ensures financial security in the event of a catastrophic claim or lawsuit.
Cost-Effective Coverage: Offers high levels of liability protection at a relatively low cost compared to increasing coverage limits on individual policies.
Specialized Umbrella Coverage Options
Personal Liability Coverage
Extends the liability limits of your homeowners, auto, or renters insurance.
Legal Defense Costs
Covers attorney fees, court costs, and settlements in lawsuits where you are held responsible.
Bodily Injury Liability
Covers medical expenses for others if you're responsible for causing injury.
Personal Injury Protections
Covers claims for libel, slander, defamation and false arrest.
Property Damage Liability
Covers the costs of damage to another person’s property beyond your standard policy limits.
Worldwide Coverage
Provides protection against liability claims that occur outside the United States.
