Umbrella Insurance

We are often asked if we sell umbrella insurance. The answer is yes, we do offer insurance to cover umbrellas. Not what you had in mind?

If you are looking for liability insurance coverage that is greater than and sits on top of the amount of liability coverage that comes with your basic policies the answer is also yes. This type of coverage comes in two major categories, Personal Umbrella or Commercial Umbrella. Plus there is an additional strategy.

Umbrella policies are usually comparatively inexpensive. However, pay attention to the details to get the best value for your needs and expectations.

Personal Umbrella

Personal Umbrella Policies or PUPs can cover over the lower limits of your personal insurance policies.

As long as there is not business use of the insured item or location usually a PUP may be able to be added from our many insurers. However, many of those require that they sell the underlying policy before they add an umbrella.

Commercial Umbrella

Commercial Umbrella Policies or CUPs would be placed over policies or locations dealing business or income potential uses.

Strategic Options

We find one of the best insurance strategy is to increase you base policies to as high a liability coverage as you can get.

By loading the base policy as much as you can you eliminate the need for an Umbrella Policy. If after taking the highest coverage the insurer offers higher limits of coverage are still needed, premium savings can be found. This is because the CUP or PUP policy now sets over a higher base coverage.

All of this can be very complicated. Phone us for a discussion about umbrella insurance.

All prices, programs, features, underwriting, offers, representations and companies shown in this site are subject to change without notice. We may add or discontinue a company or program or an insurer may change underwriting criteria or product line availability without notice to us. With the insurance industry constantly changing we may not be able to keep the site up with the latest information. For the up to date info please contact us. All insurance applications are always subject to current underwriting rules, acceptance of the insurer and adequate premium paid.