Umbrella Insurance

Extra liability protection when your standard policies just aren’t enough.

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More Coverage. More Confidence.

We Help You Stay Protected Beyond the Basics

Sometimes, a lawsuit or major claim goes beyond what your homeowners, auto, or business policies cover. Umbrella insurance gives you an extra layer of liability protection—usually in the millions—that can cover legal fees, settlements & medical costs that exceed your regular limits. It’s affordable peace of mind for anyone who wants more financial protection for their family, assets, or business.

What Does an Umbrella Policy Include?

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Excess Liability Coverage

Kicks in after the limits of your homeowners, auto, or business liability coverage are used up.

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Legal Defense Costs

Covers court costs, attorney fees & settlements from covered claims.

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Global Coverage

Protection often applies even if an incident occurs outside the U.S.

Frequently Asked Questions

  • How much does umbrella insurance cost?

    It’s surprisingly affordable—often under a few hundred dollars a year for a million dollars in coverage.

  • Who needs an umbrella policy?

    Anyone with assets to protect: homeowners, landlords, business owners, or people with teenage drivers.

  • Does it cover business-related claims?

    Not automatically. You’ll need a commercial umbrella policy if you want business liability extensions.

  • Will this cover me if I’m sued for slander or libel?

    Yes, umbrella policies often include coverage for personal injury claims like defamation.

  • Is umbrella insurance required?

    No, but it’s highly recommended if you want added protection against large or unexpected lawsuits.

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Simple, Affordable Backup for Big-Time Risks

Umbrella insurance gives you breathing room when life throws the unexpected your way. We’ll help you decide how much coverage makes sense—without the upsell.