An Extra Layer of Protection for What Matters Most
When life throws the unexpected your way, primary policies like your auto or home insurance might not be enough to cover a major claim. An umbrella or excess liability policy sits right on top of those existing limits, providing a vital safety net that shields your family's savings, home, and business from devastating financial loss.
Whether it's a multi-car accident with serious injuries or a major lawsuit filed against your business, these claims often exceed standard coverage limits. With umbrella protection, you can rest easy knowing you have millions in additional coverage to handle legal fees and large settlements, ensuring your hard-earned assets stay protected.
Major Auto Accident
If you're at fault in a serious accident where medical costs exceed your auto policy's $250,000 limit, your umbrella policy kicks in to cover the remaining balance.
Lawsuit Protection
A significant injury on your property leads to a $1 million lawsuit. Your homeowners insurance covers the first $300,000, and your umbrella policy handles the rest.
How Layering Coverage Works
Umbrella insurance acts as a secondary shield, stepping in only after your primary policies have reached their maximum payout.
1. Primary Policy Limits
Your standard auto or home policy pays first. Once a major claim hits your limit—for example, $500,000 on an auto policy—standard coverage stops.
2. Umbrella Coverage Layer
Umbrella coverage then steps in from $500,001 up to your chosen limit, such as an additional $1,000,000, protecting your home equity, savings, and business assets from being seized.
The best part? This single umbrella layer provides excess protection across multiple primary policies at once, including your auto, home, boat, or general business liability.
Are your current limits enough to protect everything you've worked for? Reach out to confirm you have the right amount of layering for your lifestyle.