Complete Protection with Umbrella Coverage
Go beyond the limits of your standard policies. Our commercial and personal umbrella coverage provides the extra layer of security you need for total peace of mind in every situation.
Personal Umbrella
Personal Umbrella insurance adds vital liability protection that extends above the limits of your homeowners and auto policies. For example, if you are involved in a serious accident where medical expenses or legal settlements far exceed your primary coverage limits, this protection ensures that your personal assets remain secure and you aren't left responsible for overwhelming out-of-pocket costs.
Coverage Options Tailored for You
Explore our comprehensive umbrella insurance solutions designed to protect your personal assets and business interests from the unexpected.
Commercial Umbrella
Commercial Umbrella insurance adds an extra layer of financial security above your existing business liability policies. Consider a scenario where your business faces a large lawsuit or a severe injury claim that exceeds your primary policy limits; this coverage ensures your bottom line is protected and the claim is settled without jeopardizing your overall operations or assets.
Why Add Umbrella Coverage?
Standard insurance policies have limits. Umbrella insurance provides a vital extra layer of liability protection, stepping in when big, unexpected events go beyond your normal coverage to keep your assets safe.
Extra Protection Above Limits
Umbrella coverage picks up where your auto or home insurance leaves off, providing millions in additional liability protection.
Protects Savings & Income
Safeguard your hard-earned savings, home equity, and future earnings from being drained by a major legal settlement or judgment.
Covers Big Rare Events
Designed for significant, catastrophic claims like multi-car accidents or incidents on your property that exceed standard liability.
Affordable High Coverage
For a relatively small annual premium, you can secure $1 million or more in protection, making it one of the best values in insurance.
Works Across Life & Store
Whether it's your home, auto, or business, umbrella coverage works in tandem with multiple policies for comprehensive security.
Request an Umbrella Insurance Quote
Our agency reviews your current policies and liability limits to recommend the most effective umbrella options for your unique situation. Please review the key information we'll need below to get started on your customized quote.
Policy Information
- Type of Coverage: Personal vs. Business
- Current primary policies in place (Auto, Home, General Liability)
- Current liability limits on existing policies
Risk & Goals
- Any recent insurance claims (last 3-5 years)
- Primary coverage goals (Asset protection vs. Risk management)
- Desired additional liability limit ($1M, $2M, $5M+)
Ready to start your evaluation?
Umbrella Insurance FAQs
How common is it for individuals to be underinsured for large claims?
Quite often, standard auto or home policies only cover up to $300,000 or $500,000. In today’s legal environment, a severe multi-car accident or a significant injury on your property can easily exceed these limits, leaving personal assets like your savings or home equity at risk.
Why bother with umbrella coverage if rare, severe claims are unlikely?
While catastrophic claims are rare, they are financially devastating when they occur. Umbrella insurance is designed exactly for these 'worst-case' events where the potential loss could exceed your lifetime earnings. It provides high-limit protection for a relatively low annual cost.
Who is most likely to need extra liability coverage?
Anyone with significant assets, a home, or future earning potential should consider it. Risks increase for those who own pets, have a swimming pool, host frequent guests, or have teenage drivers in the household, as these factors statistically raise the likelihood of a major liability claim.
How does an umbrella policy compare to just raising my auto or home limits?
Raising individual policy limits usually only provides a small bump in coverage (often capped at $500k). An umbrella policy starts where those limits end and typically adds $1 million to $5 million in total protection that applies across all your underlying policies simultaneously.
How can I tell if my current liability limits are enough?
A simple rule of thumb is to add up the total value of your assets—including home equity, savings, and investments. If that total is higher than the liability limit on your main insurance policy, you are underinsured and at risk of losing those assets in a lawsuit.
Personal Umbrella
"After a serious auto accident, our primary policy limits were reached quickly. Having a personal umbrella policy saved our life savings from being part of the settlement."
Personal Umbrella Client
Client Peace of Mind
Hear how our extra layer of liability protection has provided security and stability for families and business owners when they needed it most.
Commercial Umbrella
"A major liability claim against our company could have ended our operations. The commercial umbrella coverage stepped in and allowed us to keep our doors open and our staff employed."
Commercial Umbrella Client
Personal Umbrella
"We added umbrella insurance just for the peace of mind. Knowing that our home and future earnings are protected against any unforeseen accident is worth every penny of the small premium."
Personal Umbrella Client