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.

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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.

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