Umbrella Liability Insurance

What would you do if a legal judgment against you was greater than your primary insurance limits?

Imagine this: You’re walking your dog when, suddenly, he viciously attacks your friendly neighbour who was just trying to pet him. Your neighbor sues you to cover his medical bills, lost wages, and pain and suffering.

Yes, it was an accident, but you are still responsible. Thankfully, you’re an Umbrella policy owner.

Get Started with a Free Quote

We're here for you and ready to listen. We wish to craft a policy that will serve you very well for many years to come, even against unforeseen circumstances. Call our 24/7 hotline or start a chat with us during normal business hours.

What You Get

Umbrella Perks

Up to $5 million additional financial protection for your family over your primary limits includes:
  • Bodily injuries
  • Property damages
  • Libel
  • Slander
  • Wrongful eviction
  • Defamation of character

Here are the minimum liability limits for each of the different types of policies:

  •  Auto Liability – $250,000/500,000 – Bodily Injury
    $100,000 – Property Damage
  • Personal Liability – $300,000
  • Farm Liability – $ 500,000
  • Watercraft Liability – $300,000
  • Rental Owners Liability – $300,000
* requirements may vary by state.

Frequently Asked Questions

What is umbrella liability insurance?

Umbrella insurance refers to a liability insurance that is in excess of other policies and is also potentially primary insurance for losses that are not covered by the other policies.

What does the policy cover?

The umbrella liability policy covers losses that are not covered by the other policies.

How much coverage do I need?

We can provide you with a plan that is tailor-fit to you, your unique needs, and budget. Book a free consultation with us today!

How much does umbrella liability cost?

You can book a free consultation with us so that we can sit down and talk about creating a plan that is tailor-fit to you, your unique needs, and your budget.

What is a business umbrella policy?

A commercial umbrella policy increases your liability coverage to provide extra payouts that help you cover substantial claims. This type of policy can easily protect your company from any liability claims including libel, reputational damage, vehicular accidents, or customer injury.

What is the difference between an umbrella liability and an excess liability?

An umbrella policy provides higher liability limits broadens coverage for the things that your underlying policy might not cover.

An excess liability policy only provides coverage that is above the underlying coverage.

We can talk about finding the best policy for you when you book a free consultation with us.

Other Popular Insurance Policies

Business Insurance

Whether you are a contractor, landscaper, florist or any other type of business, give us a call.

Farm Insurance

Protect your agriculture, cattle, or horses with one of our legendary policies for farmers.

Casualty Insurance

Things happen - it's a good idea to have the proper riders for the unexpected.

Kind Words from Our Clients

"Doug and Kelly are experts in their field and do not use pressure as a sales technique. They do not sell you stuff you don't need. They work with you to provide coverage where you need it. They are available when needed."

-Joshua Jones

"Doug sold my wife and I a homeowners policy. With American National’s policy they also cover home systems breakdown. Well the new year brought a blown up heat pump and condenser unit. With American National our policy saved us $6,000!!! Thank you Doug for selling us a Home Policy that truly protects us. Bonus, the turn around on the claim was less then a week!"

-Ryan Conroy

"The Insurance industry is incredibly competitive and its main differentiator is personal touch. When it comes to personal touch and service, Doug and his team have this mastered. I can't speak highly enough of them or their services!"

-Derek Archer

Put You & Your Family in Caring Hands

Contact Details

With many years in the insurance business and proudly serving the residents and businesses and farms of the Tri-State area, we bring experience, reliability, professionalism, and personal care to a timeless profession.

We are family-owned and operated. 


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