Umbrella Insurance
Extra Liability Coverage When It Matters Most
Sometimes, standard insurance just isn’t enough.
Umbrella insurance adds an extra layer of liability protection on top of your existing policies. If a major accident or lawsuit exceeds your regular coverage limits, umbrella insurance steps in to help cover the difference—keeping your savings, home & future protected from unexpected financial risk.
Umbrella insurance kicks in when your home, auto, or business policy limits are maxed out.
It covers legal fees, medical bills & damages in large liability claims.
This policy is especially valuable for homeowners, landlords, business owners & high-net-worth individuals.
Coverage typically starts at $1 million and is surprisingly affordable for the protection it offers.
Why Consider Umbrella Insurance?
Umbrella insurance is designed to protect you from
large, unexpected liability claims that could seriously impact your finances. It provides coverage for legal fees, settlements, and judgments that go beyond your base policy limits—whether it’s an accident involving your vehicle, your home, or a rental property.
For example, if you're at fault in a car accident that causes serious injuries, your auto policy might only cover up to $250,000. If the claim exceeds that, umbrella coverage bridges the gap so you’re not paying out of pocket.
Umbrella policies also offer
broader protections, including coverage for things not typically included in standard policies—such as slander, libel, or false arrest. It's a simple way to add peace of mind and high-value protection.
$500,000
The average personal injury lawsuit exceeds $500,000 in damages
Source: Insurance Information Institute
$150–$300
Most umbrella policies start at just $150–$300 per year
Source: National Association of Insurance Commissioners
85%
Over 85% of claims covered by umbrella insurance are related to auto accidents
Source: Forbes Advisor
Frequently Asked Questions
Your Questions About Umbrella Insurance
Here’s what you need to know about adding an extra layer of protection:
What does umbrella insurance cover?
Umbrella insurance provides additional liability protection above the limits of your home, auto, or business policies. It covers large claims involving bodily injury, property damage, legal defense fees, and personal liability situations like libel or slander. It’s designed to protect your assets when a standard policy falls short.
Do I need a lot of assets to justify umbrella coverage?
Not necessarily. If you drive, own a home, have savings, or engage in activities with higher risk (like hosting guests or owning rental property), umbrella insurance is worth considering. Lawsuits can target future income—not just current assets—so this protection isn’t only for the wealthy.
How does umbrella insurance work with my other policies?
It activates after your primary liability limits are reached. For example, if your auto insurance covers $250,000 in damages but a lawsuit demands $750,000, umbrella insurance would cover the remaining $500,000 (assuming you're insured up to $1M).
How much umbrella insurance should I carry?
Coverage typically starts at $1 million, with options to increase it in $1M increments. We recommend choosing a limit that matches your total assets and risk exposure. A quick consultation can help identify the right amount for your situation.
What’s excluded from umbrella coverage?
It doesn’t cover personal belongings, business losses, or intentional harm. It also doesn’t replace your base insurance—it only adds extra protection above it. All umbrella policies require minimum underlying coverage levels to be in place first.
