Umbrella INSURANCE
An extra layer for everything you have built.
When a serious liability claim reaches your policy’s limits, more protection can matter.
WHO IT’S FOR
Built around your life.
Households looking to protect savings, income and assets against large covered liability claims.
What it typically covers
- Additional liability limits above eligible underlying policies
- Covered liability involving your home and vehicles
- Possible protection for eligible boats and motorcycles
- Defense coverage according to the policy terms
Coverage depends on the carrier, selected options, limits, deductibles and policy terms. We’ll walk through the details with you.
THE DETAILS MATTER
Common gaps people miss.
01 / WORTH A CONVERSATION
Underlying policies must meet required limits.
02 / WORTH A CONVERSATION
Business liability usually needs business coverage.
03 / WORTH A CONVERSATION
Umbrella does not repair your own damaged belongings.
STRAIGHT ANSWERS
A few things you might be wondering.
Do I need to be wealthy?
Serious claims can affect savings and future income. We review your exposure, not just your current net worth.
Does it cover my boat?
It may, if the insurer accepts it and the underlying policy meets requirements. Tell us about all vehicles and watercraft.
How much is enough?
We consider your assets, exposures and existing limits to help choose a practical additional layer.
Let’s talk umbrella.
Tell us what matters. We’ll help you find the right fit.