Liability Protection That Goes Beyond Your Limits.
Comprehensive liability protection that activates when your standard policy limits are exhausted, while also filling critical coverage gaps left by your primary policies.
What Your Umbrella Policy Covers
An extra layer of liability protection that sits above your auto and home policies — and steps in where they fall short.
Catastrophic Liability Defense
High-limit protection—starting at $1 million—to pay for specialized legal defense teams, court fees, and final settlements, shielding your future earnings and physical assets.
Drop-Down Protection
If a specific liability claim is completely excluded by your base homeowners policy, this coverage can “drop down” to act as primary protection, requiring only a nominal self-insured retention (SIR).
Personal Injury Liability
Steps in to cover non-physical claims often left out of standard policies, including libel, slander, defamation of character, and invasion of privacy.
Uninsured Motorist Umbrella
An essential extension of coverage if you are severely injured by an at-fault driver who lacks adequate insurance, matching your high umbrella liability limits.
Worldwide Liability Extension
Global protection covering incidents that occur while traveling internationally, renting vehicles, or operating watercraft overseas.
Ready to Add a Layer of Protection?
Let’s review your current limits and find the umbrella coverage that protects your assets and future earnings.