What Is Umbrella Insurance?

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Umbrella insurance (also known as excess liability insurance) is designed to cover potential gaps between insurance policies you already have in place. If you needed to pay for expenses relating to claims that exceeded the coverage provided by your existing home or auto insurance, umbrella insurance could help cover those costs.

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If you have assets that exceed the liability caps on your existing policies, adding a personal umbrella can be a very cost-effective way to protect your assets from potential claims against you.  

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This added level of protection helps protect against unforeseen catastrophic events in which you might be liable for serious injury or death, even giving you added protection in the event of a lawsuit.