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Umbrella Insurance is a stand alone liability policy that will provide additional coverage over and above your primary liability coverage that is part of your homeowners and auto insurance policies.

Why do you need an Umbrella policy?


If you were found liable for someone else's bodily injuries or even death, would you have enough insurance to protect your assets? 

While we always plan for the best, life can be unpredictable and sometimes the worst can happen. This is where an umbrella comes into play, as it will provide you with additional coverage to protect your assets that you have worked so hard earn. 

Many of our carriers offer simple $1,000,000 and $2,000,000 umbrella policies that require no special underwriting requirements.


Why would you need additional liability coverage? 


Let's walk through an example.


While you were driving your car, you caused a multiple vehicle accident that resulted in seven people going to the hospital with severe injuries. The total hospital cost for the seven injured people was $780,000.


Your auto liability coverage is only $300,000. This means you will be responsible paying for the remaining $480,000 out of your pocket.

An umbrella policy would extend your liability limits beyond what your auto policy provided. In this scenario the umbrella policy would provide the additional coverage needed to cover all of the medical expenses. (Typical umbrella policies provide coverage of $1M up to $5M)

This means you would not be left paying the remaining $480,000! 

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