Higher Liability Limits
Additional limits above qualifying underlying policies after their available coverage is exhausted.
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Additional Liability Protection
Umbrella Insurance
An extra layer of protection when a covered liability claim exceeds underlying policy limits.
Coverage overview
An extra layer of protection when a covered liability claim exceeds underlying policy limits.
Umbrella insurance can extend liability protection above qualifying home, auto, and commercial policies, helping protect personal or business assets from larger covered claims.
Coverage options
Personal Umbrella
Extra protection for eligible liability claims involving your home, vehicles, or personal activities.
Commercial Umbrella
Additional liability limits above qualifying business policies such as general liability and commercial auto.
Coordinated Coverage
Guidance aligning underlying policy limits with the requirements of an umbrella policy.
FAQ
Frequently Asked Questions
What does an umbrella policy cover?
An umbrella adds liability limits on top of your auto, home, or business policies. If a covered claim is larger than the underlying policy’s limit, the umbrella pays the rest up to its own limit. Some umbrellas also cover certain claims the underlying policies do not, such as some libel or slander claims.
How much does a $1 million umbrella policy cost?
A $1 million personal umbrella often costs a few hundred dollars a year, which makes it one of the least expensive ways to add protection. Commercial umbrellas vary much more depending on your industry, vehicles, and underlying limits. We can quote both.
What underlying limits do I need before I can buy an umbrella?
Umbrella carriers require your auto, home, or business policies to carry certain minimum liability limits first. For a personal umbrella this is often around $250,000/$500,000 on auto and $300,000 on home liability, but each carrier sets its own rules. We will check your current policies and tell you whether anything needs to change.
What is the difference between a personal and a commercial umbrella?
A personal umbrella sits over your home, personal auto, and other household policies. A commercial umbrella sits over business policies such as general liability, commercial auto, and employer’s liability. A personal umbrella will not cover claims that come from your business.
Do trucking companies need an umbrella or excess liability?
Many do. Some shippers, brokers, and contracts require more than the standard $1 million auto liability limit, and verdicts in serious truck accidents can far exceed it. An umbrella or excess policy adds limits above your primary auto liability.