As our lives evolve and we acquire “things” we find it necessary to protect ourselves against the “what if’s” at a higher level than the primary insurance policy can provide. The majority of insurance policies provide liability limits up to $500,000.

The more “things” we acquire, the greater the risk of losing it as a result of a covered loss, whether it be an at fault accident, someone slips and falls at on of your properties, etc. Your primary policy will cover you up to the liability limit listed on your policy. After that, you the insured are responsible for any monies owed beyond your coverage limit. This is where an Umbrella Policy comes into play protecting you against losing “everything”. Once your primary policy is exhausted, the Umbrella policy will kick in and pay the additional monies owed as a result of the loss – up to the limit listed on your Umbrella policy.

We offer Umbrella policies with coverage starting at 1 million dollars. Talk to us about your specific needs and we can advise you if an Umbrella policy would make sense for you.