In a litigious world, looking wealthy can make you a target. Protect your savings, home equity, and future wages with an extra $1 Million+ in liability coverage.
If you own a home, have significant savings, or have a teenage driver, you are at risk. One serious auto accident could exhaust your standard $250k or $500k limits in seconds.
For roughly the cost of a daily coffee (often $200-$400/year), you can add $1,000,000 of coverage. It is largely considered the best value in the insurance world.
Think of it as a second layer of defense that sits on top of your Auto and Homeowners policies.
You cause a major car accident resulting in serious injuries to another driver. The jury awards them $800,000.
We work with premier carriers like Chubb, Pure, and Cincinnati for complex asset protection.
Secure your future today.
Most carriers require you to have specific liability limits on your underlying policies first. Typically, this is 250/500/100 on your Auto and $300,000 on your Home. We can help adjust your current policies to qualify.
No. A Personal Umbrella policy only covers personal liability. If you own a business, you need a separate Commercial Umbrella policy.
Yes. This is one of the biggest benefits. Legal defense costs can bankrupt you even if you win the lawsuit. The umbrella policy helps cover these costs, often in addition to your coverage limit.