Umbrella Insurance


Added Protection and Peace of Mind

Prepare for the unexpected and protect major assets with extra liability coverage.

An Added Layer of Protection

Once the liability limits are exhausted on your home, auto or other underlying insurance policies, your Umbrella policy takes over and provides another layer of liability protection should you be sued and found legally liable for causing injury to someone else or damaging their property. Because the average size of jury awards has increased dramatically in the last few years, Umbrella insurance has become more important.

Here are a just few situations that demonstrate the need for this insurance:

  • Your car slips out of gear and rolls into your neighbor.
  • Your dog bites a neighbor’s child.
  • While on vacation, the rented boat you’re driving hits two people in a canoe.
  • A fire in your condo spreads to other units.

If any of these unfortunate accidents should happen to you, there’s a good chance your current liability limits won't be enough to protect your assets or your future earnings.

Umbrella limits start at $1 million with higher limits available. This insurance covers you and all members of your household anywhere in the world.

The best part of Umbrella insurance may be its very reasonable cost. Although your protection is substantially increased, the average cost is well under a dollar a day.