Personal & Commercial Coverage
An extra layer of liability protection that kicks in when your standard policy limits are exhausted — for individuals and businesses alike.
A single serious accident, lawsuit, or catastrophic event can exceed the limits of your home, auto, or business liability policy. Umbrella insurance provides an additional $1M–$10M+ in coverage that sits above your existing policies, protecting your assets and future earnings from large judgments. It's one of the most cost-effective forms of protection available.
The more assets you have, the more you have to lose in a lawsuit. Umbrella coverage protects your savings, investments, and property.
These amenities significantly increase your liability exposure. An umbrella policy provides the extra protection you need.
Commercial umbrella policies extend above your general liability, commercial auto, and employer's liability policies.
Rental property owners face liability from tenant injuries, property damage claims, and wrongful eviction suits.
Teen drivers dramatically increase accident risk. An umbrella policy is a smart, affordable safeguard.
If you earn a high income, a judgment creditor can garnish future wages. Umbrella coverage protects what you've built and what you'll earn.
When a covered claim exceeds your underlying policy's limit, your umbrella policy pays the excess — up to its own limit. For example, if you have $300K in auto liability and face a $1M judgment, your umbrella covers the remaining $700K.
Most umbrella policies require minimum underlying limits on your home, auto, and other policies. We'll review your current coverage and make sure everything is properly structured.
A $1M personal umbrella policy typically costs $150–$300 per year — making it one of the most affordable forms of significant protection available.
Personal umbrella policies generally exclude business activities. Business owners need a commercial umbrella or excess liability policy to cover business-related claims.
Our licensed advisors will find you the best rate across 100+ carriers. No obligation, no pressure — we speak English and Spanish.