Extra Protection With Umbrella Insurance Coverage

Add an extra layer of protection beyond standard insurance limits.

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The Ultimate Safety Net for Your Assets

A single accident or lawsuit could exceed the limits of your standard home or auto policy in an instant. Umbrella insurance provides an extra layer of protection, ensuring that what you’ve worked a lifetime to build isn't lost in a single day.

What Exactly is Umbrella Insurance?

Think of umbrella insurance as "just in case" coverage that kicks in when your other policies—like your auto, homeowners, or business liability—reach their limit. In today’s litigious world, medical bills and legal settlements can easily reach into the millions. Without an umbrella policy, your savings, your home, and even your future wages could be at risk.

Personal Protection

Covers incidents that happen on your property or while driving that exceed your primary policy limits. It also provides coverage for things your standard policy might not, such as slander, libel, or false arrest.

Commercial Protection

For business owners, an umbrella policy is a critical part of risk management. It adds a layer of defense against massive liability claims, protecting your business from financial ruin after a major workplace accident or product failure.

Peace of Mind for a Low Cost

Umbrella insurance is surprisingly affordable. Because it only pays out after your primary insurance is exhausted, you can often secure a million dollars of extra protection for just a few hundred dollars a year.

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When Does It Kick in?

Scenario 1: Personal Liability

A guest is seriously injured on your rural property, and the resulting medical bills and legal fees total $750,000. Your homeowners' policy only covers $300,000. Your umbrella policy pays the remaining $450,000. A commercial vehicle from your fleet is involved in a multi-car pileup. The total damages reach $2 million, but your commercial auto policy caps at $1 million. Your commercial umbrella covers the second million, saving your business.

Insurance concept with hand and umbrella

Independent Advice for Extra Security

As your independent agent, our job is to identify the gaps in your protection. We look at your total asset picture and recommend the right amount of umbrella coverage for your specific lifestyle or industry. Because we represent multiple carriers, we can find the umbrella policy that integrates perfectly with your existing home, auto, or business insurance—often with significant bundle discounts.

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Strengthen Your Foundation

The best way to save on umbrella insurance is to bundle it with your Homeowners or Business Insurance. Let us review your current policies to see where we can add value and lower your total costs. Don't leave your assets vulnerable. Get an umbrella quote today.