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What Is An Umbrella Policy?


Protect yourself from a scenario where your "regular insurance" isn't enough. A personal umbrella policy is called an "umbrella" policy because it provides liability coverage over and above your standard auto insurance or homeowners insurance. It offers protection for you and your family against large and potentially devastating liability claims or judgments.


In short, a personal umbrella policy kicks in right where your other liability underlying limits have been reached. The more your earning power and assets increase, the more you have at risk, and therefore, the more you need to protect.

What DOES AN Umbrella Policy COVER?


  • Protection for covered claims by others for personal injury or property damage caused by you, members of your family/household, or hazards on your property for which you are legally liable


  • Personal liability coverage for occurrences on or off your premises


  • An additional layer of protection above your primary auto policy against auto-related liabilities


  • Protection against non-business related personal injury liabilities such as slander, libel, wrongful eviction or false arrest


  • Legal defense costs for a covered loss. Lawyer fees and associated court costs are covered


  • Worldwide coverage - no matter where you go, with the only exception being situations involving foreign ownership of dwellings or cars