Umbrella Insurance
Don’t let a major lawsuit put your savings or future at risk. Add a layer of liability protection and cover yourself from claims that go beyond your typical home, auto and liability policies.
Why do you need coverage?
- Lawsuits can exceed your regular policy limits
- Accidents can lead to major settlements
- Legal and medical bills can add up fast
- Keep you and your family out of harm’s way
What does our coverage do?
- Provides an “umbrella” to cover major claims
- Adds $1 million or more in liability protection
- Covers legal defense and settlement costs
- Applies when your regular policy limits are exceeded
Go beyond typical coverage.
Just one mistake can cause huge losses if your regular home, auto or general liability policy limits don’t go far enough. We’ll help you cover risks unique to your life so you can focus on living it.
Guest injuries on your property
If a visitor slips near a pool or falls on the stairs and is seriously hurt, medical and legal bills can easily exceed your home insurance limit.
High-claim auto accidents
If you or a family member cause a car crash that results in severe injury or damage, court awards can go far beyond auto policy limits.
Online or personal defamation
Social media posts or verbal remarks can lead to lawsuits for libel or slander, creating costly legal exposure without extra coverage.
Numbers to know
Catastrophic injuries
$1M+
can be awarded for permanent disability or severe injury settlements. (JGEL Accident Attorneys, 2025)
Car accident claims
52%
of personal injury cases are caused by vehicle accidents. (Templer & Hirsch, 2025)
Dog bite claims
18.9%
increase in dog bite liability cases since 2023. (iii.org, 2025)
Our umbrella insurance options
$1M
Protect yourself with basic umbrella coverage.
$2M+
For public figures or high-net-worth families.
Frequently asked questions about umbrella insurance
Anyone at risk of a lawsuit in excess of their regular home or vehicle coverage can benefit from the additional coverage. This includes:
- High-income families, or those with considerable assets
- Homeowners with higher-risk liabilities including swimming pools and trampolines
- Owners of dogs, or other animals that could cause an injury
- Households with teenagers or youth who may engage in risky activity
- Volunteers at small or informal organizations
- Landlords providing residential rentals
Umbrella insurance extends the coverage of your standard home, vehicle and other related policies, but it does not replace them.
For example: If you are found liable in a road accident, your automotive coverage will pay for a certain amount of liability. But if you are sued for extensive damages and injuries that are more than your car policy will cover, your umbrella policy will pay the extra costs (up to a limit), including legal, medical and other bills.
That could even make the difference between personal solvency and bankruptcy.
Many personal umbrella insurance policies pay up to $1 million or more in additional coverage. And because they are an add-on to existing policies, they can cost as little as $100-$300 per year.
Personal umbrella insurance only covers your household’s liability for incidents not related to work activities. It also excludes:
- Damage done by you (or a household member) to your own home, vehicles or valuables
- Intentional or criminal injury or damage to people or property
- Risk you agreed to under a signed contract
