An extra layer of protection when you need it.
伞 insurance to cover what you value most.
Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. 我们将帮助保护您的财务未来.
Additional coverage for an extra layer of protection.
伞式保险有一个不寻常的名字, but it’s a simple concept–it’s an extra liability policy for added peace of mind. 最常见的, umbrella insurance is something you get in addition to either a car insurance or homeowners insurance policy.
主要侧重于责任索赔.
伞 insurance is specifically about liability, which is the cost you might have to pay to somebody else for an unfortunate event where you are held responsible. It doesn’t usually include losses you bear yourself, such as if your property is damaged or your possessions are stolen.
交互式图形
点击它. 读它. 覆盖它.
- 点击热点.
- 发现你的风险.
- 选择合适的保险范围.
财产损害责任
风险因素
You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?
解决方案
Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.
人身伤害责任
风险因素
开车时很容易分心. 只需要一条短信, 挑剔的婴儿, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, 自行车, 或者其他车辆. 作为车辆的拥有人/经营者, you may be held financially responsible for any bodily injuries caused as a result of the accident.
解决方案
An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.
诉讼
风险因素
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
解决方案
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, 船, or homeowners policies - providing real financial value, 以及无价的心灵安宁. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
船舶责任
风险因素
Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.
解决方案
Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.
Pays out when liability coverage limits are not enough.
You’d usually get umbrella insurance when your main insurance policy has liability coverage limits that are too low for your needs. 伞 insurance will only pay out when your main policy has already paid out in full, and it will only pay out the remainder of your costs.
伞式保险是如何运作的?
例如, if your auto policy covers liability up to $500,000 but you cause an accident that leaves the other driver with medical bills of $600,000, 你的主保单将全额赔付, and the umbrella insurance policy will kick in for the remaining $100,000.
雨伞能满足你的需要吗?
The umbrella insurance policy itself will have its own limit, but this is less likely to be an issue. An umbrella insurance policy can be cheaper than you might think. 虽然它涵盖了大量潜在的支出, the premium usually reflects the reduced risk that the policy will need to pay out.
Talk with us about adding a cost-effective umbrella insurance policy to your account. It’s easy and provides the additional protection needed to protect you and your family.
伞式保险报价请求
As an independent agency, we are here to help you find the right coverage.
