Umbrella Insurance

Although the liability coverage available under your primary homeowners, automobile or boat policy provides you with basic protection from being sued, the coverage may not be enough to pay the damages awarded to an injured party by a jury.

The typical umbrella liability policy provides coverage in excess of your primary personal liability limits and also provides protection against certain losses not otherwise covered by your primary policies. The protection provided is from claims alleging you caused, or contributed to, bodily injury, property damage, and personal injury (e.g. libel, slander, invasion of privacy). The policy will pay the costs to defend you from such a lawsuit, and should you lose the case, the damages awarded against you, up to the policy limit.

Umbrella policies typically are offered with a limit of $1,000,000 and higher limits can be purchased in multiples of $1,000,000. Policies can be purchased for a surprisingly low cost. Please contact us to learn how an Umbrella policy can become an important part of your insurance protection program.