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insurance for catastrophic accidents

Personal umbrella insurance: for the costly claims you can’t always expect (or even prevent)

The extra protection you need to cover medical bills, personal injury demands, and legal defenses that can cripple your wellbeing

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What is personal umbrella insurance?

A personal umbrella policy provides liability coverage over and above what you already have with your home (or renters or condo) and auto insurance. If a large claim exhausts your underlying coverage, your umbrella insurance will cover the rest, up to the limit you choose. 

In addition, an umbrella policy will cover the legal fees while defending or settling your lawsuit. And in some cases, it may even provide coverage you did not have with your underlying policies.

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Umbrella insurance statistics

Unfortunately, anyone can sue you for almost anything, creating a lawsuit that you'd need to defend against. Umbrella insurance may be the only way to get you out of this type of financial hardship.

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What is (and is not) covered by umbrella insurance?

There is not an insurance policy in the world that can protect you from everything. For that, we’d need a crystal ball. But understanding the coverages, limitations and exclusions can help you prepare for the unknown.

What is typically covered?

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Bodily injury and property damage liability claims

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Auto liability claims

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Defense costs

What is not typically covered?

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Intentional bodily injury or property damage

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Damages to your property

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Damages to your vehicles

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Got personal umbrella insurance questions? We’ve got answers.

Do I need umbrella insurance?

What are some situations that might require umbrella insurance?

How much umbrella insurance do I need?

How much does umbrella insurance cost?

How umbrella insurance can prevent large claims and lawsuits from emptying your pockets

You’ve worked hard to build your life. Too hard to let a claim or lawsuit drown you in legal fees and headaches.

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Legal representation

You’ve got a claim and now you need a lawyer. Who should you call? How do you know if they’ll do a good job? Your insurance company will hire the best attorney to defend you so it’s one less thing for you to worry about.

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Defense costs

Even the smallest compliant could cost tens to hundreds of thousands to defend. An umbrella policy will cover the cost of defense, over and above your personal insurance coverage limits.

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Judgments and awards

Getting sued is miserable. But having to pay out would be much worse. Your umbrella policy covers lawsuit losses.

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Get your family the lawsuit protection it deserves

Don’t lose sleep worrying you might be unprotected from unexpected lawsuits. Simply fill out this form and a member of our personal insurance team will be in touch.

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