Umbrella/Excess Liability

Umbrella/Excess Liability provides coverage beyond your policy

Umbrella/Excess Liability policies aren’t a replacement for your existing policies; they provide coverage in addition to your existing policies. When a claim exceeds the limits of your existing policy, your Umbrella/Excess Liability policy would provide the additional limits needed.

Extra protection for those unexpected accidents

This policy adds additional limits to all your existing policies. With the increased costs associated with accidents and lawsuits, this policy provides an extra layer of protection over all your policies.

Plans offered

$1 million–$10 million limits

Who these plans are for
  • Anyone wanting additional coverage that extends beyond the limits for your existing policy or policies.
  • A new, inexperienced driver added to your auto policy

What these plans help with

Example: You have auto insurance with a liability limit of $500,000. If you get into a car accident and people in the other car are injured your policy will pay $500,000 towards medical bills and legal fees. If medical bills exceed $500,000 or the person sues you for more than $500,00 you will be responsible to pay out of pocket any amount over $500,000. This is where an Umbrella/Excess Liability policy would kick in. If you had a $1 million Umbrella/Excess Liability policy it would pay out an additional $1 million. This ultimately gives you $1.5 million in liability coverage.

Our value-added services
  • Coverage review
  • Dedicated service team

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