Umbrella Policy

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What is it?

An Umbrella Policy provides an additional limit of liability coverage that will blanket your existing policies, going above and beyond your underlying limits. Umbrella Policies can protect both assets and future earnings, providing an extra layer of insurance for catastrophic liability losses. Anyone with assets to protect can benefit from an umbrella policy.

What's covered?

Most Umbrella Policies can extend for the following scenarios, as long as your underlying policies have the required liability limits:

  • You are determined to be at-fault for an auto accident and the bodily injury or property damage exceeds your auto policy liability limits.
  • Someone is injured on your property and their medical bills exceed your Homeowners Insurance liability limits.
  • You are sued for libel, slander, or wrongful eviction.
  • You borrow or rent a snowmobile, jet ski, or boat and crash into another person or someone’s property and cause damage.

How does it work?

  1. If you have a loss: Call us at (303) 597-1667 as soon as possible for claim assistance.
  2. Once the liability limits are exhausted on your home, auto, or other policy, your Umbrella Policy takes over and provides a second layer of protection, and covers legal fees incurred.
  3. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world.
  4. To qualify for an Umbrella Policy, most insurance carriers require that you have minimum liability limits of $250,000 per person/$500,000 per accident on your Auto Insurance policy and at least $300,000 liability coverage on your Homeowners or Renters Insurance policy.
  5. Most Umbrella Policies start at $1,000,000 of liability coverage and can go up to $5,000,000.