Umbrella

Umbrella policies provide excess liability coverage of your existing personal or commercial insurance policies. They help fill the gaps left by primary insurance coverage by kicking in when the limits of your underlying policies are exceeded.

Features

Increased Liability Coverage: Personal and commercial umbrella insurance provide an additional liability limit that is higher than provided by your primary underlying auto, home, or business insurance policies. This added protection can be crucial in the event of a lawsuit or liability claim.
Broad Coverage: It may provide a wider range of protection, including coverage for personal injury claims, property damage, libel and slander, and other liability risks not covered by standard insurance policies.
Legal Defense Costs: Umbrella insurance typically covers legal expenses, including attorney fees and court costs, in the event of a lawsuit or liability claim.
Excess Liability Coverage: Umbrella insurance can also provide excess liability coverage for certain types of commercial policies, including general liability, commercial auto, and workers’ compensation.