Personal Umbrella Insurance

You’ve insured your car and your home. If the unexpected should occur, make sure you are protected. A personal umbrella insurance policy offers an extra layer of liability protection for your assets if there’s a serious auto accident or accident on your property. Otherwise, you could be liable for more than your current auto or homeowner’s coverage limits.

Make sure you have the right insurance coverage for any unexpected emergency.

Our team of licensed expert agents have the solutions to all of your insurance needs.

an aerial view of a house with a swimming pool
Scenario
You invite people over for a pool party and one of your guests dives into the shallow end and is injured. They hire a lawyer and take you to court. You end up being financially responsible for their injuries. Do you have enough money to cover your legal costs in addition to the defense costs?
Solution
An umbrella policy increases your personal liability limits by providing additional protection over your current auto, boat, or homeowners’ policies. Excess liability insurance is available either by an endorsement to your homeowners’ policy or available as separate coverage.
Scenario
Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide is not enough.
Solution
Your watercraft policy limit may not be enough if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.
Scenario
You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?
Solution
Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted.

What is personal umbrella insurance?

Personal umbrella insurance is designed to protect you when the liability claims against you exceed the coverage limits of your other insurance policies. It offers additional coverage beyond the limits of your primary insurance policies such as your auto or home insurance. This extension of coverage includes liability coverage for injuries, property damage and personal liability scenarios. To qualify for personal umbrella coverage, you will need to maintain minimum liability limits on your underlying insurance policies such as auto and homeowners’ insurance.

What does personal umbrella insurance cover?

Personal umbrella insurance can cover a wide range of incidents such as a serious care accident where you are at fault, an individual getting injured on your property, defamation lawsuits and situations involving slander. It can also cover legal fees associated with defending yourself in a liability lawsuit by paying for your legal defense.

Who needs personal umbrella insurance?

Are you a homeowner? Own a vehicle? Maybe you are a business owner, a parent, a landlord or public figure. If you answered yes to any of these questions, chances are you may need personal umbrella insurance at some point in your life.

Think about liability risks associated with these roles. Homeowners can face risks if someone gets injured on their property. If you are at fault for a serious car accident, your umbrella policy can increase your liability coverage beyond your auto insurance limits. Business owners may want additional coverage outside their commercial insurance policies in case they face malpractice or other liability claims. Landlords opt for more coverage for protection against injuries or accidents that occur on their rental properties.

Do any of these describe you?

  • Homeowners
  • Car owners
  • Landlords
  • Parents
  • Public Figures
  • Business Owners
  • Volunteers and Board members

Stay protected with a personal umbrella insurance policy from Staples & Associates.

Get a free insurance quote thats works for you.

Address(Required)
Insurance Product of Interest
This field is for validation purposes and should be left unchanged.

Address(Required)
Insurance Product of Interest
This field is for validation purposes and should be left unchanged.