Umbrella Insurance Coverage
Protect your financial stability and peace of mind with comprehensive coverage for your personal or business needs.
Umbrella Insurance Policies
A good umbrella insurance policy gives you peace of mind and financial protection. It delivers extra liability coverage on top of your other insurance policies. Umbrella insurance may also cover some situations that aren’t covered by your primary policies.
What does umbrella insurance usually cover?
Umbrella Insurance Coverage Types
Personal Umbrella Insurance
An accident resulting in personal injury can put your home, car and financial stability at risk. Personal umbrella liability insurance is an extra layer of coverage to protect your hard-earned dreams.**
You cause a serious car accident, and the bodily injury amount to $700,000, but your limit is only $500,000. Personal umbrella insurance can help you pay the balance up to your coverage limit.
Commercial Umbrella Liability Insurance
Our commercial umbrella policy provides additional liability coverage above your business liability limits, so you'll always be prepared for the unexpected.**
An employee falls asleep at the wheel while driving your business vehicle and collides with a truck, injuring its two occupants. Commercial umbrella coverage can give you an added layer of protection up to your policy's limits.
Farm and Ranch Umbrella Liability Insurance
A farm and ranch liability umbrella policy adds an extra layer of liability coverage over your primary insurance limits. If a loss exhausts your primary liability coverage, it can help cover the excess damages.**
Some of your livestock wander out and cause an accident. Farm and ranch umbrella insurance can help pay for losses up to your chosen limit after your primary liability coverage has reached its limits.
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*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
Product eligibility will vary by state, property type, policy form and company underwriting the casualty and/or property policy. Some restrictions may apply.
**Descriptions provided here offer general information regarding umbrella insurance. The full scope of liability umbrella coverage is subject to the umbrella policy provisions. To qualify for personal liability umbrella insurance, you must meet minimum liability limits for all applicable underlying policies, such as auto, home, renters, boat and recreational vehicle.