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Umbrella

An Umbrella insurance policy provides both an additional layer of liability protection and broadens liability protection. An umbrella policy is typically sold in increments of million dollars. Insurance companies will require you obtain primary coverage for auto and home liability before offering an umbrella policy (an underlying policy requirement). Often, you can get your best price by coordinating your auto, home and umbrella policies with the same insurance company.

In our legal environment, lawsuits settlements and defense cost can reach very high levels. Unexpected lawsuits can also erupt beyond the scope of your home and auto insurance protection such as the tort liabilities of slander, libel and invasion of privacy. No one expects a million plus loss.  An umbrella policy is a shield to protect your assets and future income from these unexpected claims.