Umbrella Insurance
Extra liability cover that sits above your home, auto or business policies, for the claim that's bigger than their limits.
- Carrier partners
- 35+
- On the phone and at the counter
- English & Español
What it covers
- Above your other policiesPays after your home, auto or business liability limits are used up.
- Personal or commercialPersonal umbrellas sit over home and auto; commercial umbrellas over a business's liability policies.
- Broader protectionSome umbrellas cover claims your underlying policies don't.
Questions we get asked
Who should consider an umbrella policy?
Anyone with assets or income a large lawsuit could reach — homeowners, landlords, business owners.
Do I need other policies first?
Yes. Umbrellas require minimum liability limits on the policies underneath. We check those when we quote.