Umbrella Insurance
Extra Protection When You Need It Most
Standard insurance policies cover a lot, but what happens when a claim exceeds your coverage limits? Umbrella insurance provides an extra layer of liability protection, ensuring your business or personal assets are safeguarded against unexpected, high-cost lawsuits. Whether you’re a business owner, landlord, or high-net-worth individual, an umbrella policy can help bridge coverage gaps and prevent financial loss.
Our Services
Extended Liability Coverage
Provides additional protection when a lawsuit or claim surpasses your primary policy’s limits.
Business Umbrella Insurance
Protects businesses from large-scale claims related to property damage, employee accidents, and lawsuits.
Personal Umbrella Insurance
Offers extra liability protection for homeowners, drivers, and renters.
Legal Defense Coverage
Helps cover attorney fees and court costs in case of a lawsuit.
Additional Auto & Property Protection
Supplements home, auto, or commercial insurance policies for greater financial security.
Don't See What You Need?
Our umbrella insurance policies are customizable, so whether you need additional coverage for business risks, personal liability, or property protection, we’ll create a solution that fits your specific needs. Contact us today to discuss your options.
Why Every Business & Individual Should Consider Umbrella Insurance
1. What is Umbrella Insurance & Who Needs It?
Umbrella insurance kicks in when your standard liability coverage runs out, providing extra financial protection. It’s ideal for:
- Business Owners – Protect against expensive lawsuits and workplace incidents.
- Landlords – Cover liability risks related to rental properties.
- High-Income Earners – Safeguard personal assets in case of high-value lawsuits.
- Drivers & Homeowners – Get added protection for auto accidents and property-related claims.
2. Real-Life Scenarios Where Umbrella Insurance Saves the Day
- A customer slips & falls in your store. If their medical bills & lawsuit exceed your general liability policy, umbrella insurance covers the remaining costs.
- Your teenage driver causes a major accident. If damages surpass your auto insurance limits, umbrella coverage kicks in to pay for repairs & legal claims.
- An employee injury lawsuit threatens your business. Umbrella insurance provides additional financial security, covering settlements & legal fees.
3. How Much Umbrella Insurance Do You Need?
The right coverage amount depends on:
- Your Net Worth – Your umbrella policy should be high enough to protect your assets & future earnings.
- Business Liability Exposure – Industries with higher risks (e.g., construction, trucking, hospitality) benefit from increased limits.
- Existing Policy Limits – Umbrella coverage starts where your current policy ends, so check your liability limits before deciding how much extra coverage you need.
4. Why Umbrella Insurance is a Smart Investment
- Affordable for High Coverage – Umbrella policies cost less than you think but provide millions in extra protection.
- Covers Multiple Policies – One umbrella policy extends liability coverage across home, auto, and business insurance.
- Prevents Financial Ruin – A major lawsuit can wipe out savings & assets—umbrella coverage keeps you protected.