Feel protected in your everyday commercial lifestyle.

Umbrella Insurance

What is umbrella insurance?

Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies. This protection is designed to kick in when the liability on these other policies has been exhausted. It also provides coverage for claims that may be excluded by other liability policies including: false arrest, libel, slander, and liability coverage on rental units you own.

What Does Umbrella Insurance Cover?

Umbrella insurance provides coverage for injuries, damage to property, certain lawsuits, and other personal liability situations listed below. Umbrella insurance insures you above and beyond the limits of those policies and, in addition, it covers some situations that aren't covered by the other types of policies you have. Such as:

BODILY INJURY LIABILITY WHICH COVERS THE COST OF DAMAGES TO ANOTHER PERSON'S BODY. EXAMPLES INCLUDE THE COST OF MEDICAL BILLS AND/OR LIABILITY CLAIMS AS A RESULT OF:

• Injuries to other parties due to a serious auto accident where you are at fault

• Harm caused to others as a result of your negligence

• Injuries caused by your dog or other pet

• Injuries sustained by a guest in your home, yard, or property


PROPERTY DAMAGE LIABILITY COVERS THE COST OF DAMAGE OR LOSS TO ANOTHER PERSON'S TANGIBLE PROPERTY.

• Damage to vehicles and other property as a result of an auto accident where you are at fault

• Damage claims incurred when your pet rips a friend's priceless oriental rug to shreds

• Accidental damage to school property caused by your child


OWNERS OF RENTAL UNITS HELPS PROTECT AGAINST LIABILITY THAT YOU MAY FACE AS A LANDLORD.

• Someone tripping over a crack in the sidewalk of your rental property

• Your tenant's dog biting someone and you being held responsible for the injuries


COVERAGE IS ALSO PROVIDED SHOULD YOU BE SUED FOR:

• Slander:

  Injurious spoken statement

• Libel:

  Injurious written statement

• False arrest, detention, or imprisonment

• Malicious prosecution

• Shock/mental anguish, and other personal liability situations