Excess liability or personal umbrella insurance provides an additional layer of liability coverage for cases where you are deemed negligent and are personally liable for bodily injury, personal injury or property damage that exceeds your underlying coverage limits. Even though your home and auto policy have their own limit of liability those limits may not be enough to cover a catastrophic event.

Our annual reviews and quarterly newsletters are our way of keeping you abreast of important changes that may affect your insurance program as well as a reminder for you to keep us informed of any changes such as major modifications to your home like an addition, pool, or finished basement. Your teenager has started to drive. You entertain your clients on your boat or at your second home. You purchased a rental property. You started a family. You got engaged. You purchased an expensive watch or jewelry.

You don’t have to be a millionaire to be sued like one. Here are 10 good reasons why You should own an umbrella policy:

  • You have a pool or tennis court in your backyard
  • You own a dog or two.
  • You own a boat or other watercraft.
  • You host playdates for your children at your home or participate in a carpool.
  • You have teenage drivers.
  • You own rental property or a second home.
  • You volunteer as a coach, instructor or you are on the board of a non-profit.
  • You actively participate in social media.
  • You operate a business out of your home or take clients out in your auto or boat.
  • You own firearms.

And the list goes on....

Learn how Bates Insurance Agency can better protect your personal liability exposures with an affordable umbrella policy.      Call Today!