A severe accident occurs on your property or while you're driving. You find yourself facing the possibility of bankruptcy, liquidating your assets or years of payments to satisfy a potential judgement. Your umbrella could be worth millions.

Umbrella Liability policies help guard against the unexpected. They provide excess coverage, supplementing the primary liability insurance found in property/casualty policies such as auto, homeowners or business and can include coverage for some exposures not ordinarily provided under your primary policies.

Three Umbrella Liability Options To Fit Your Needs

Personal

A personal umbrella policy can provide from One to Five Million dollars of catastrophic liability protection over and above the protection of your underlying policy. This coverage can apply to:

Damages arising out of accidents involving cars, on-premises recreational motor vehicles,motorcycles, certain types of watercraft, and use of your premises
Certain activities which take place in your home office, private school or studio, or home day care operation.

Farm

A Farm Umbrella policy can provide from One to Five Million dollars of catastrophic liability protection over and above the protection of your underlying policy. This coverage can apply to:

Damage or injuries arising from accidents involving farm equipment, trucks, cars, on-premise recreational vehicles, and use of premises.
Certain exposures from finished products or retail farm stands, property damage, injuries from cattle or horses getting loose, injuries resulting from private horse risks or other animals, pollution damages.

Commercial

A Commercial Umbrella Liability policy is designed to cover the specific needs of business, over and above the protection of the underlying business policies. Available in amounts ranging from One to Five Million dollars, this policy can offer excess business liability protection for:

Job-site premises liability, vehicle liability, certain contractual liability, ongoing or completed business operations and advertising liability.

You're Covered Under Our Umbrella