Umbrella Insurance

Extra Protection Through Personal Umbrella Liability

If you were found liable for an accident, would your current liability limits cover the judgment against you, or could your assets be at risk?

With a Personal Umbrella policy, you'll have additional liability limits over and above those provided by your underlying policies.(1) Your assets, as well as your future earnings, are covered.

Help protect all the things you've worked so hard for, with excess liability limits and expanded coverage.

Here's How It Helps You

Say you're held liable for causing a car accident with multiple vehicles, and the cost to cover the damages and injuries is $650,000. However, the liability limits on your Auto policy are only $500,000.

In this case, your insurance would pay only $500,000 for the entire accident, and you would be responsible for the remaining $150,000 out of your own pocket!

With a Personal Umbrella policy, however, you could extend your liability limits beyond the maximum provided by your underlying policies. In this case, an Umbrella policy would provide liability limits above the $500,000 limit of your Auto policy, up to the limit you choose for your Umbrella policy (typically anywhere from $1 million up to $5 million in coverage). In other words, you wouldn't be left paying the remaining $150,000.

Other Benefits

Besides providing increased liability limits, a Personal Umbrella policy can fill gaps in your coverage with added benefits, such as:

  • Coverage for claims that may not be covered by your underlying Homeowners, Auto, or Watercraft liability policies, such as libel, slander, or defamation of character.
  • Coverage anywhere in the world.
  • Coverage for defense costs and attorney fees associated with claims against you that are covered by your Personal Umbrella policy.

Trowbridge Personal Service Focuses On The Protection You Need

We understand that you need the right amount of coverage, at the lowest cost, with a reliable carrier! You also need an insurance agent who is your advocate–whenever needed. We are that caring, professional, hardworking team, the one that's on your side–to help you protect your business.

Learn More–Get A Umbrella Insurance Quote Today!

Whatever your insurance needs, Trowbridge Insurance will find the right insurance for your home, your business, your family and you. Contact Us or get a Quick Quote today!

(1) Subject to policy terms, conditions, limits, and exclusions.

Umbrella Insurance Contact Form

Have a question about umbrella insurance? Fill out the form below and we will get back to you within 24 business hours.

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