Personal Umbrella Insurance



When you get the best umbrella insurance policy for your needs, it will provide exactly the type of coverage that the name suggests; another layer of protection for you to stand under.  

The lawsuits we are seeing today are frequent and sprout from common causes to the downright bizarre. Combine that with the contracts we sign without – well – reading in full, and the hazards that bombard us everytime we walk out the door…suddenly it’s not hard to imagine a situation that would bring rise to a sizeable lawsuit.

But what if it is so sizeable that it uses up all the liability coverage in your primary policies (homeowner’s insurance, car insurance, etc.)?

Are you prepared to take on the remaining damages, legal expenses, and potential punitive costs? 

Don’t worry, it’s not an easy question to answer. But we can help you evaluate your exposure to events that are likely to exceed the coverage available in your underlying policies.  If there does seem to be a need for umbrella coverage, we can review your options. Then, you’ll have the information you need, based on your budget and exposure,  to decide if another layer of protection is wise.


CONTACT US TODAY – Let’s chat about it. 

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You may not think you need an umbrella policy, but consider this:

What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars?

Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Insurance is typically purchased at a low cost considering the amount of coverage and liability costs it could protect you from.