Umbrella Insurance

Protection over and above other policies

Umbrella insurance provides additional liability coverage over and above the limits on your auto and other personal liability policies. This coverage is available in increments of $1 million up to $10 million, with $1 million of coverage costing as little as $1 a day or less.

Consider: The average jury award for auto accidents involving bodily injury and property damage exceeds $300,000. Liability awards for accidents in the home can be just as substantial.

A few examples to consider:

You’re accused of slander in a social media post, and the damages you’re being sued for exceed the personal injury coverage on your homeowner’s policy.
A guest at the pool party you’re hosting slips on your diving board and falls onto a stone-paved deck. She’ll be okay — but will need back surgery and ongoing rehab. The cost of this care will exceed the limits of your homeowners policy.

You forget you left your bathtub running when you get distracted while checking for mail in your apartment building’s lobby. While you’re gone, the tub overflows — deluging your downstairs neighbor’s home office. Condo insurance won’t cover the full costs of damage to her property and business.
While away at college, your 19-year-old causes an accident that seriously injures a tech company’s top executives. Your auto insurance liability limits are not high enough to cover their medical expenses and lost income while they recover.

“I realized how important it is to conduct business with an established company, employing experienced professionals. We appreciate all of your follow-up to assure resolution of this stressful project. Ashton, in Claims was also great to work with. We have complete trust in you, Brad. Highest regards.”

— Mary J

Frequently Asked Questions

Our goal is to provide you with the confidence and peace of mind that you’re protected from all things unexpected.

What sorts of things does an umbrella policy cover?

Umbrella policies cover almost everything you can insure, for example, your home, auto, boat, motorcycle, snowmobile ATV, RV, trailer, rental car, and we offer business umbrella policies as well.

How much does an umbrella policy cost?

It depends on the limits/coverages of your existing policies, and also any previous claims. A low rate for an umbrella policy is typically $200/year.

What do I need to do to start an umbrella policy?

Give us a call at 253-473-7321. We will review your policy make sure you have adequate limits on your auto/home so we can issue the new policy for you.