The coverage that protects everything you have built.
An umbrella adds a layer of liability limit over your existing policies. When a serious claim exceeds your home, auto, or business limits, the umbrella keeps paying. It is the single product that touches every part of your life, which makes it the spine of a real plan.
One bad claim should not reach past insurance.
A serious at-fault accident or a lawsuit can produce a judgment larger than your standard limits. Without an umbrella, the difference comes from your assets and future income. With one, it does not.
Personal and commercial, coordinated.
Most people need one or both. We make sure the underlying limits qualify and the layers sit correctly.
Personal Umbrella
Excess liability over your home and auto. Protects your assets and future income from a claim that exceeds your standard limits.
Learn more →Commercial Umbrella
Excess liability over your general liability, auto, and employers liability. The cost-effective way to add real limit to a business program.
Learn more →Excess Liability
Follow-form limit stacked over an umbrella in layered towers, for larger accounts that need very high limits.
Learn more →Umbrella, shaped to how you are exposed.
Same coverage, framed for the exposures you actually carry.
Umbrella for Business Owners
One umbrella view across your personal and commercial liability.
See how it fits →Umbrella for Landlords
Excess liability across your home, autos, and rental properties.
See how it fits →Umbrella for Contractors
Excess limits over the general liability and auto a jobsite demands.
See how it fits →Excess limits, stacked on top.
An umbrella sits above your home, auto, and business liability. When a covered claim exhausts the underlying limit, the umbrella continues paying up to its own limit, usually in increments of a million dollars. Because large claims are rare, the cost per million is low, which makes an umbrella one of the best values in any insurance program. The one rule: carriers require your underlying policies to carry stated minimum limits, so the layers have to be coordinated, not bought in isolation.
Raise the ceiling on a catastrophic claim.
Tell us what you have built across your home, your vehicles, and your business, and we will size umbrella protection that actually covers it.