Umbrella insurance is an extra layer of liability protection that goes above and beyond the limits of your standard auto, home, or watercraft policies. It is designed to safeguard your assets from major claims and lawsuits.

Standard policies have liability limits that can be quickly exhausted by a serious accident or lawsuit. Umbrella insurance activates after those underlying limits are reached, protecting your savings, investments, and future income from being seized.

It provides broader coverage for significant personal liability claims, including severe auto accidents where you are at fault, lawsuits for libel or slander, and certain legal scenarios that may be excluded from your primary policies.

The amount of coverage you need is directly related to the total value of your assets and future income you wish to protect. We will conduct a thorough review of your financial portfolio to recommend a personalized level of protection.