What is an Umbrella?

An umbrella insurance policy is designed to provide excess liability coverage to help further protect you and your assets from loss as the result of major claims and lawsuits. 

How does an umbrella work?

An umbrella policy provides additional liability coverage beyond that of your homeowners, auto, and other policies that extend liability coverage. This additional liability coverage is only used if the liability limits on your other policies have been met, in effort to eliminate or reduce your out-of-pocket expenses if a claim or lawsuit exceeds your underlying liability limits. It also provides coverage for claims that may be excluded by other liability policies, like false arrest, libel, slander, and even liability coverage on rental units you own.

What does an umbrella cover?

A personal umbrella is designed to provide coverage for liability, which is defined by the harm, damage, or injury caused to another person or their property. This includes things like:

  • Libel
  • False Arrest
  • Malicious Prosecution
  • Shock/Mental Anguish
  • Bodily Injury
  • Property Damage
  • Owners of Rental Units
  • Slander

Umbrella policies offer a great deal of liability coverage at a reasonable cost. Adding an umbrella policy to your insurance portfolio is an easy way to reduce the future risk of loss by offering a great deal of liability coverage and at an inexpensive, reasonable cost. Umbrella policies often earn you discounts on your home, auto, and other personal policies, too. Contact us to learn more about how an umbrella can protect you and your assets from major claims and lawsuits.