UMBRELLA INSURANCE

Umbrella Insurance is designed to protect assets, net worth, and future income.

The single umbrella policy extends the limits of the underlying risks of cars, homes, rental properties, boats, motorcycles, and ATV’s by providing additional liability coverage in a single policy and thereby saving money instead of lifting the limits of all policies individually.

If you don't own a home or a car, you can still purchase a personal umbrella policy that provides coverage for liability claims arising from other areas of your life, such as a lawsuit resulting from an accident you caused while riding a bike or a slip and fall accident at your rental property.

An umbrella also protects against vicarious liability. You can be liable for someone else’s actions in certain situations.  Examples include employer and employee, parents and children, and loaning out your car to someone.