Umbrella Insurance
Extending Coverage for the Unexpected
Layering Protection For You
Working with the right insurance agent can give you peace of mind when the unexpected happens. With umbrella insurance, also known as excess liability insurance, you’re protected past the limits of ordinary home and auto coverage.
Even in not-so-uncommon circumstances – like a dog bite at your home – umbrella coverage can be extremely valuable.
Designed to safeguard your savings and net worth, umbrella insurance coverage supplements other insurance, giving you ultimate security.
What does umbrella insurance cover?
- Legal expenses if you’re sued
- At-fault incidents while you’re out of the country
- Excess damages not covered by auto insurance
- Medical costs for someone injured on your property
- Higher risk situations like renting property and more
Business & Personal Umbrella Coverage
Is an umbrella policy worth having? We get this question often from clients.
An umbrella insurance policy can prevent a catastrophic event or unfortunate situation from ruining your family’s financial health or bottom line. Even if you have excess auto or home liability insurance, you may face a gap in coverage if you’re sued – leaving you personally financially responsible.
From personal injury lawsuits to medical expenses in an at-fault incident, umbrella insurance is an essential part of comprehensive coverage for individuals and businesses. Homeowners and drivers, for example, benefit from umbrella coverage anytime damages exceed baseline insurance policy limits. And business owners can count on umbrella insurance to protect their assets and employees when things go wrong.
At Independent Insurance Associates, we specialize in helping you find the right amount of coverage in Rock Hill, Fort Mill, Clover, and Lake Wylie, SC as well as the surrounding Charlotte, NC area – to protect what matters most to you.
Umbrella Policy Quote
How to Get Umbrella Insurance
If you’re looking into excess liability coverage or want added protection for your life savings, umbrella insurance may be a great fit for you. To purchase umbrella insurance, we will review your current home, auto, or business policy and explain if added coverage can help.
While policyholders often add excess liability coverage to raise insurance limits on home or auto policies, umbrella insurance can do more. When you get a free quote on umbrella insurance, we’ll customize your coverage to take care of your unique needs. Many people with pets or a swimming pool at their home, for instance, can benefit from the extra coverage that umbrella insurance offers. In other cases, umbrella coverage is especially useful to protect you from hefty legal claims or court settlements.
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