Umbrella Insurance

When it comes to ensuring full protection, the standard limits aren't always enough.

With significant assets comes substantial liability exposure, especially in today’s litigious society. If you own multiple homes, cars and watercraft, employ domestic staff, sit on nonprofit boards or have other unique lifestyle characteristics, you may be at risk.

The liability coverage included in your personal homeowners, auto and recreational vehicle policies is considered primary insurance and applies first in the event of a claim, but often that coverage isn’t enough.

Coverage Beyond Standard Limits

Excess liability, or umbrella coverage, provides protection after primary coverage limits are exhausted. If you face a claim without enough insurance, your personal assets are exposed. One personal liability lawsuit can potentially leave you responsible for settlement costs and exorbitant legal fees regardless of the outcome.

Personal liability protection is an important part of financial planning — especially if you have significant assets to protect. As a leading high-net worth personal lines insurance brokerage, we’ve developed a group excess liability program to provide exceptional coverage that costs significantly less than an independent policy.

An excess liability policy – also known as an umbrella policy – supplements your basic personal liability coverage provided under homeowners and auto policies to better protect you from large losses.

Excess uninsured/underinsured liability coverage offers protection when and where present programs fail to meet your individual needs. If you or a member of your family becomes involved in an accident in which someone else is responsible, this coverage reimburses you for damages.