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Consider our personal umbrella insurance services.

Personal umbrella liability insurance provides an important extra layer of protection over your personal assets when standard liability coverage is exhausted. In a society where lawsuits are regularly used to resolve claims between individuals, we highly recommend you explore personal umbrella insurance as an added measure of protection.


How can I be better protected for the unexpected?

If you are found to be legally responsible for injuring someone and do not have personal umbrella liability insurance, anything beyond the limits of your standard liability insurance coverage will come out of your own pocket. (Standard liability insurance generally includes homeowners, renters, auto and watercraft policies.)


How much coverage do I need?

Coverages start at $1 million. It is important to take into consideration both your total personal assets and your potential personal risks. For example:

  • Do you have children?
  • Do you have a swimming pool or playground equipment, like a trampoline?
  • Does your profession or the location of your home make you an easy target for a big settlement?

How much does a personal umbrella policy cost?

Additional liability insurance is inexpensive when compared to the added coverage you gain. Depending on the policy value and your personal risk factors (e.g. driving infractions, credit rating), a $1 million umbrella policy typically costs about a dollar per day. Costs typically go up an additional $50 – $75 for each $1 million thereafter.

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