To eliminate gaps and insufficient limits on your primary insurance policies Umbrella insurance policy is used. It acts as an overage liability insurance for your other policies for losses not covered or exhausted by those policies. Umbrella insurance offers peace of mind and is affordable.
The liability judgement against the insured is paid by the insured’s primary insurance policies up to their limits and then any additional left over amount is paid by the umbrella policy up to the limit of the umbrella policy.
Umbrella Insurance protection:
- Motor vehicle accidents where physical damage and or bodily injuries are more than the primary insurance limits
- Boating Accidents.
- Physical damage or bodily injury caused by your dog.
- Slip and fall accidents on your property.
- Slander, libel, and defamation lawsuits against you.
- Swimming Pool Accidents.
- Judgments that exceed the limits on your home or auto policies.