Umbrella Insurance

In our opinion everyone needs an umbrella. Our society has become a litigious one. Lawsuits are filed every day. Some are valid. Some are not. But the costs remain the same. An umbrella policy or excess liability policy is designed to provide additional coverage over the top of an individual’s underlying insurance policies. Meaning, an umbrella would fit over the top of your auto and homeowners policies. It could also fit over your boat, motorcycle, or even RV policy as well. It provides coverage in situations where the liability limit of the underlying policy has been exhausted due to costs related to the claim. Those costs could be medical costs for those injured, attorney fees, defense costs, damage assessments, pain and suffering for those injured, and court mandated settlements.