Umbrella liability insurance adds an extra layer of protection for your assets and financial well-being.
All of your insurance policies have limits. Your auto insurance, homeowners insurance, RV insurance, boat insurance, motorcycle insurance and/or business owner’s policy may not be sufficient in the event of a major claim.
Your Umbrella coverage “kicks in” where you’re existing coverage ends, up to limit of the umbrella policy purchased.
Carpenter Insurance has licensed Umbrella Liability Insurance experts available to help you better understand this coverage and decide if Umbrella Insurance is right for you. If it is, we will work with you to design the right level of coverage for your situation at the best possible price.
Example of Umbrella Liability Insurance Coverage
Umbrella Liability Coverage Options
Bodily Injury Liability – Covers the cost of injuries to another person’s body. Examples include:
- injuries due to a serious auto accident where you are at fault,
- dog bites
- injuries sustained by a guest in your home due to a fall, or
- injuries sustained by a neighbor’s child who falls while playing in your yard.
Property Damage Liability – Covers the cost of damage or loss to another person’s property. Examples include:
- damage to vehicles and other property as a result of an auto accident where you are at fault,
- damage claims incurred when your pet rips a friend’s priceless oriental rug to shreds, or
- accidental damage to school property caused by your child (hey, you can’t disown them).
Landlords – Helps protect against liability that you may face as a landlord. Examples include:
- someone tripping over a crack in the sidewalk of your rental property and suing you for damages, or
- your tenant’s dog biting someone and you being held responsible for the injuries.
Coverage is also provided should you be sued for:
- false arrest, detention, or imprisonment,
- malicious prosecution,
- shock/mental anguish, and other personal liability situations.
*See specific policies for coverage, limitations & exclusions
Complete the form below to request a quote, or for faster service, call us
Monday – Friday from 8:00 AM – 5:00 PM at (850) 939-7777