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Personal Umbrella Insurance

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Personal Umbrella Insurance

Protect yourself from life's unexpected storms with Personal Umbrella Insurance, an extra layer of liability coverage that provides peace of mind and financial security.

Personal Umbrella Insurance

Personal Umbrella Insurance is an additional layer of liability protection that can provide extra coverage when your primary insurance policies, such as home or auto insurance, have reached their limits. This type of insurance can help protect you from devastating financial losses due to accidents or lawsuits.

Here are some key points about Personal Umbrella Insurance:

What it covers: Personal Umbrella Insurance can provide coverage for a wide range of incidents, including:

  • Bodily injury liability: Covers medical expenses, legal fees, and damages if you're found responsible for an accident that causes injury to someone else.
  • Property damage liability: Covers the costs of repairing or replacing someone else's property if you're found responsible for damaging it.
  • Personal liability: Covers lawsuits arising from defamation, libel, or slander.

Why you need it

While your primary insurance policies may provide significant coverage, there may be situations where the damages or liability exceed the limits of your coverage. Personal Umbrella Insurance can provide extra protection and help ensure you're not left with significant out-of-pocket expenses.

Benefits of Personal Umbrella Insurance:

  • Increased Liability Limits: Personal Umbrella Insurance can provide additional liability protection in the millions of dollars beyond the limits of your primary insurance policies.
  • Comprehensive Coverage: This type of insurance can cover a broad range of incidents, giving you peace of mind that you're protected against various risks.
  • Cost-Effective: Personal Umbrella Insurance is generally affordable and can provide significant coverage for a relatively small premium.

Why Choose Us?

At our Insurance Agency, we understand the importance of having the right insurance protection to meet your needs. Therefore, our experienced agents can work with you to determine the appropriate amount of Personal Umbrella Insurance coverage to protect you and your assets.

We offer flexible policy options, including different coverage limits and deductibles, so you can customize your policy to fit your unique needs and budget. In addition, we are committed to providing exceptional customer service and support from the initial consultation through the claims process.

Contact us today to learn more about our Personal Umbrella Insurance policies and how we can help protect you and your assets from unexpected liabilities.

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Auto bodily injury liability
Bodily injury liability
Property damage liability
Medical Bills
Property damage liability

Auto bodily injury liability
Coverage

Risk Factors

While away at college, your 19-year-old son causes an accident that seriously injures a tech company’s top executives. Your auto insurance liability limits may not be high enough to cover their medical expenses and lost income while they recover.

Solution

Auto bodily injury liability helps cover a person’s treatment costs if they get hurt in a car accident. This coverage steps in when you reach your auto liability limit.

Bodily injury liability Coverage

Risk Factors

A guest at the pool party you’re hosting slips on your diving board and falls onto a stone-paved deck. She’ll be okay — but will need back surgery and ongoing rehab. The cost of this care will exceed the limits of your homeowners policy.

Solution

This can help cover another person’s medical bills. If someone gets hurt and sues you, this coverage protects you once your liability limit has been reached.

Property damage liability Coverage

Risk Factors

You forgot you left your bathtub running when you got distracted while checking for mail in your apartment building’s lobby. While you’re gone, the tub overflows deluging your downstairs neighbour’s home office. Renter’s insurance won’t cover the full costs of damage to her property and business.

Solution

This helps pay for damage to another person’s property or vehicle. This coverage will take effect when your liability limit has been exhausted.

Medical Bills Coverage

Risk Factors

Your friend trips and falls over a toy left in the middle of a hallway by your young son. She won’t be able to work for some time, and the liability limits of your homeowners insurance may not be high enough to cover her medical bills and other compensation.

Solution

An umbrella policy can cover her medical bills and other compensations. However, This coverage helps once your liability limit has been exhausted.

Property damage liability Coverage

Risk Factors

You forgot you left your bathtub running when you got distracted while checking for mail in your apartment building’s lobby. While you’re gone, the tub overflows deluging your downstairs neighbour’s home office. Renter’s insurance won’t cover the full costs of damage to her property and business.

Solution

This helps pay for damage to another person’s property or vehicle. This coverage will take effect when your liability limit has been exhausted.

Already have Personal Umbrella Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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