Umbrella Insurance
Extra Protection When You Need It Most
Life is unpredictable, and sometimes, the unexpected can lead to financial challenges that standard insurance policies just don’t cover. That’s where umbrella insurance comes in—it’s an extra layer of protection that goes beyond the limits of your existing auto, home, or business insurance. If you’re ever involved in a major accident or lawsuit, an umbrella policy helps cover the additional costs so you’re not left paying out of pocket.
Whether you're protecting your personal assets or securing your business, umbrella insurance ensures that one unexpected event won’t derail your financial future.
Your existing insurance policies have limits, and if a claim exceeds those limits, you could be responsible for paying the rest. Umbrella insurance steps in to provide additional coverage when you need it most.
Go Beyond Standard Coverage
What Do We Cover?
Personal Liability Protection
Covers costs if you're found legally responsible for injuries or property damage beyond your standard policy limits.
Auto Liability Extension
Provides additional coverage if you're at fault in a major car accident with damages that exceed your auto insurance policy.
Homeowners Liability Extension
Covers claims related to injuries on your property, dog bites, or damage caused by household members.
Rental Property Liability
If you own rental properties, umbrella insurance can protect against liability claims from tenants or visitors.
Why Do You Need Umbrella Insurance?
- Provides extra coverage beyond standard policies
- Helps protect your assets in case of a lawsuit
- Covers high-cost legal expenses and settlements
- Affordable way to increase financial security
Frequently Asked Questions
Who needs umbrella insurance?
Anyone with assets to protect! If you own a home, drive a car, have savings, or run a business, an umbrella policy offers extra protection.
Does umbrella insurance cover my business?
Umbrella insurance covers personal liability, but if you own a business, you may need a commercial umbrella policy. We can help you explore your options.
How much does umbrella insurance cost?
It’s surprisingly affordable! Most policies start at just a few hundred dollars per year, making it a smart investment for extra security.
What’s NOT covered by umbrella insurance?
It doesn’t cover personal belongings, intentional acts, business losses, or contractual liability. We’ll walk you through your policy details to ensure you have the right protection.
Secure Your Future with Umbrella Insurance
Get the Extra Protection You Deserve. The right insurance policy is about more than just meeting minimum requirements—it’s about knowing you’re truly covered, no matter what happens. Let’s find the umbrella insurance plan that works for you.
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Your deserve the best protection that covers all aspects of your life—let’s make sure you have it.
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Let’s chat about what matters most to you! Give us a call, send us a text message, or stop by—we’d love to help you find the right coverage.
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326 Route 87, Columbia, Connecticut 06237, United States
