The coverage that protects everything you have built.

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.