Weather Any Storm: Why Umbrella Insurance Matters

Think of your life like a puzzle; every piece is important to the whole beautiful picture. You have your home piece, your car piece, a small business piece, and maybe even a boat piece. You cherish these pieces and want to protect them with smart, sensible insurance coverage, guided by a licensed insurance agent. 

However, sometimes we focus so much on protecting the individual pieces that we forget to protect the whole puzzle — the way your life beautifully fits together into a unified whole. Enter Umbrella Insurance. 

Umbrella insurance is an additional layer of liability protection that protects your finances when the liability limits of your existing individual insurance policies are exhausted.

Let's look at an example....

Imagine someone slips and falls at your small business. Your business liability policy provides up to $250,000 in coverage, but the injured person sues you for $500,000. Without umbrella insurance, you could be personally responsible for the remaining $250,000.

With an umbrella policy, however, that extra liability coverage steps in after your primary policy reaches its limit, helping cover the remaining damages and protecting your financial future.

With a trusted insurance agent, you can find the right umbrella policy to protect each piece and the whole beautiful puzzle that makes up your life.