An extra layer of liability protection that kicks in when your standard policy limits are exhausted — because some risks are bigger than any single policy.
Overview
Excess and umbrella insurance provide liability coverage above and beyond the limits of your underlying policies — homeowners, auto, commercial, or otherwise. When a serious accident, lawsuit, or catastrophic event results in damages that exceed your primary policy limits, umbrella coverage steps in to protect your assets and future earnings. It's one of the most cost-effective ways to dramatically increase your protection, often for just a few hundred dollars a year.
Why It Matters
A single serious car accident, a slip-and-fall on your property, or a lawsuit from a business dispute can result in judgments that far exceed standard policy limits. Without umbrella coverage, your personal savings, investments, and future income could be at risk. For the relatively low cost of an umbrella policy, the protection it provides is extraordinary.
Is This Right for You?
Homeowners with significant assets to protect
Business owners with public-facing operations
Landlords with rental properties
High-net-worth individuals and families
Anyone with a pool, trampoline, or liability risk on their property
Professionals with significant personal wealth
Common Questions
Umbrella insurance provides broader coverage — it can cover claims not included in your underlying policies. Excess insurance simply adds more limits on top of an existing policy with the same terms. We'll help you determine which is right for your situation.
A common rule of thumb is to carry at least as much umbrella coverage as your total net worth. Most policies start at $1 million in coverage. We'll help you assess your exposure and find the right limit.
Personal umbrella policies typically cover personal liability only. Businesses need a commercial umbrella or excess liability policy. We offer both and can structure coverage to protect your personal and business assets.
Umbrella insurance is one of the most affordable coverages available relative to the protection it provides. A $1 million personal umbrella policy typically costs $150–$300 per year. We shop multiple carriers to find the best rate.
As an independent agency, we shop multiple carriers to find you the best rate. No obligation — just honest advice.
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