Umbrella Policy

Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.

When an insured is liable to someone, the insured’s primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit of the umbrella policy).

What Does Umbrella Insurance Cover? Whether it’s a serious car accident involving pricey medical bills or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners or boat policies.

Umbrella Insurance Can Provide:

    • An extra $1 million to $10 million of liability coverage, which can help protect assets such as your home, car and boat.
    • Coverage for claims like libel, slander, defamation of character and invasion of privacy.
    • It also helps cover defense costs, attorney fees and other charges associated with lawsuits.

This coverage also can extend to international occurrences.

An Umbrella policy is a valuable addition to any auto, homeowners or other policy for extended personal liability protection. In today’s world, anyone can get hit with a lawsuit. That’s why it’s more important than ever to consider an added layer of protection for your assets – and your peace of mind.

Umbrella Policy