Umbrella Insurance
Extra Liability Protection for the Unexpected
You work hard to protect your home, your vehicles, your business and your financial future. But what happens if you’re involved in a serious accident or someone is injured and the liability exceeds the limits of your existing insurance?
Umbrella insurance provides an additional layer of liability protection above the limits of certain underlying insurance policies.
At Bell Robinson Financial Group, we can help you determine whether an umbrella policy may be appropriate for your situation and help you explore available coverage options.
What Is Umbrella Insurance? Umbrella insurance is a type of personal liability insurance that provides additional liability coverage once the limits of certain underlying policies have been exhausted. For example, if you are found legally responsible for a covered accident and the resulting damages exceed the liability limit on your auto or homeowners insurance, an umbrella policy may provide additional coverage, subject to the policy's terms, conditions and exclusions. Umbrella insurance can be especially valuable for people who have significant assets, higher incomes, multiple vehicles or other circumstances that could increase their potential exposure to liability.
What Can Umbrella Insurance Help Protect? Depending on the policy, umbrella insurance may provide additional liability protection related to: • Auto accidents • Homeowners liability • Rental or vacation properties • Personal injury claims, such as certain libel, slander or defamation claims • Guest injuries • Certain incidents involving recreational vehicles or watercraft Coverage varies by insurance company and policy. Your agent can explain what is covered and what exclusions or limitations apply.
Why Consider Umbrella Insurance?
Protect Your Assets A serious liability claim could put your savings, investments, property and other assets at risk. An umbrella policy can provide additional protection beyond the limits of your underlying insurance.
Extra Protection for Your Income Depending on the circumstances and applicable law, a significant liability judgment may have financial consequences beyond the immediate cost of an accident. Additional liability coverage can provide another layer of financial protection.
More Liability Coverage Your homeowners and auto policies have specific liability limits. An umbrella policy can provide additional coverage above those limits, giving you greater protection against potentially costly claims.
Coverage for Today's Lifestyle Having multiple vehicles, a swimming pool, rental property, teenage drivers, boats or other assets can create additional liability exposures. An umbrella policy can help address some of these risks.
How Does Umbrella Insurance Work?
Umbrella Insurance Isn't Just About How Much You Own
Even if you don't consider yourself wealthy, your future income and assets can still be exposed to a significant liability claim.
A major accident can happen to anyone. Umbrella insurance can provide an additional layer of protection when the unexpected occurs.
Let Us Review Your Coverage
Determining how much liability coverage you need depends on your individual circumstances. Bell Robinson Financial Group can review your current auto, homeowners and other applicable policies and help you determine whether additional liability protection makes sense for you.
Don't Leave Your Financial Future Exposed.
How Does Umbrella Insurance Work?
Umbrella insurance generally works after the underlying liability coverage has been exhausted.
For example:
Auto Insurance
$250,000 liability limit
Umbrella Insurance
$1,000,000 additional liability coverage
Total potential liability protection:
Up to $1,250,000, subject to the policies' terms, conditions, exclusions and requirements.
Umbrella policies typically require certain minimum liability limits on underlying policies before the umbrella coverage applies.
Who Should Consider Umbrella Insurance?
Umbrella insurance isn't only for wealthy individuals. It may be worth considering if you:
Own a home
Own multiple vehicles
Have teenage or youthful drivers
Own rental or investment property
Own a boat or recreational vehicle
Have substantial savings or investments
Have a higher income
Frequently host guests at your home
Want additional liability protection beyond your existing policies
Request an Insurance Quote
The Right Coverage Starts Here.
Finding the right insurance shouldn’t be complicated. At Bell Robinson Financial Group, we help individuals, families, and businesses explore insurance options designed to protect what matters most.
Whether you’re looking for auto insurance, homeowners’ insurance, life insurance, business insurance, or coverage for recreational vehicles, our team is here to help you understand your options and find coverage that fits your needs and budget.