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Extend your liability protection to new heights with umbrella - excess liability insurance, providing an extra layer of coverage for unexpected events.



Umbrella insurance, also known as personal excess liability insurance, is a type of insurance policy that provides additional liability coverage beyond the limits of your primary insurance policies, such as your auto, home, or renters insurance. It is designed to protect you financially in the event of a significant liability claim or lawsuit against you.

When you have an umbrella insurance policy, it kicks in once the limits of your underlying policies have been exhausted. For example, if you have an auto insurance policy with a liability limit of $500,000 and you are found liable for damages of $1 million in an accident, your auto insurance would cover the first $500,000, and the umbrella policy would cover the remaining $500,000, up to the limits of the umbrella policy.

Umbrella insurance typically provides coverage for various types of liability claims, including bodily injury, property damage, personal injury (such as defamation or invasion of privacy), and landlord liability if you own rental properties. It can also provide coverage for legal defense costs, even if you are not found liable.

To obtain an umbrella insurance policy, you would need to contact an insurance company that offers this type of coverage. Many insurance companies provide umbrella insurance, so it's important to shop around and compare policies to find the one that best fits your needs. The cost of umbrella insurance varies depending on factors such as your assets, liability risks, and the coverage limits you choose.

It's worth noting that umbrella insurance usually requires you to have certain minimum liability limits on your underlying policies. For example, you may need to have a minimum of $300,000 in liability coverage on your auto insurance and $300,000 on your homeowners insurance to qualify for an umbrella policy with a $1 million limit.

Please contact us so that we can provide you with details about our available policies, coverage options, and any specific requirements for your situation.

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