Personal Umbrella Insurance and Business Umbrella insurance

Personal Umbrella Insurance

Could you benefit from a personal catastrophe liability (PCL) insurance policy commonly known as umbrella insurance?

If you have a higher-risk home, such as one with a pool, umbrella insurance adds a layer of protection. Parents of teenagers (who tend to be riskier drivers), dog owners and anyone with a boat or rental property are also good candidates.

Even if you don't have a high-risk home, accidents do happen. Umbrella insurance is a form of liability insurance designed to provide an all-encompassing level of protection. This coverage picks up where other forms of liability insurance leave off and it's usually a small price to pay.

If you want to protect your money and property from claims made after an accident or injury, having an affordable umbrella insurance policy makes sense. 

Reach out today and save more by bundling your auto, home, and umbrella insurance. Also don't forget to ask about the life multi-policy discount for even more savings.

Business Umbrella Insurance

As a business owner, you don't want to think about the worst, but in order to be prepared, you should. No matter how careful or cautious you and your employees are, accidents can and do happen, and sometimes they are serious. When they happen to your business or to someone at your business, things can get costly and fast.

Examples of catastrophic claims could include:

*One of your drivers causes a very serious accident and a suit is filed against your business.

* Your business gets sued because a customer is injured by a product he or she purchased through your business.

* A competitor claims you made false or malicious statements about their business in public or in an advertisement and decides to take legal action.

A business umbrella policy offers an extra $1 million or more financial cushion above and beyond your business insurance policies.