Umbrella Policies

The more you have, the more you have to protect.  Just about anyone could be sued as a result of his or her actions, inactions, or accidents.  An umbrella policy offers an additional layer of liability protection at a very reasonable cost.

An Umbrella Policy provides:

• Excess coverage over primary policies, i.e. home, auto, boat, motorcycle
• Bodily injury due to auto or home accidents
• Personal injury
• Slander and liable
• Defense costs, i.e.attorneys
• Coverage for you, your family members, and even a student at college
• Typical limits available of $1-$10M
• Additional limits always available
• Excellent additional coverage at a reasonable cost

Umbrella Policies provide excellent value

For example: a typical $1M policy can be purchased for around $200 per year.

Example situation:

You are sitting at a red light when another vehicle runs into you, and your passenger is severely injured. Your auto policy has a limit of $250,000 for bodily injury coverage, but he injured person is awarded $1,000,000 in damages; including medical, loss of wages, and pain & suffering. 

Your auto policy will cover the first $250,000...but what about the remaining $750,000?  An umbrella policy would fill this gap.