Would you be covered if you were negligent or liable for someone else's injuries or death?
Even with the most careful planning, life can throw unexpected challenges your way. Our Umbrella Insurance policies serve as a safety net, offering additional protection to safeguard your assets.
What is Umbrella Insurance?
Umbrella insurance is additional protection when unfortunate covered liability events occur, much like an umbrella protects you from rain and inclement weather. Extra liability insurance can help protect you personally from covered lawsuits and claims beyond standard policy limits on your auto, home, renters, and other insurance policies.
Otherwise, your lifetime accumulation of assets, savings, retirement accounts, and future earnings could be at risk in a lawsuit where you are held responsible for damages or bodily injuries.
Contrary to your opinion, your auto or home insurance policy limits won't fully protect you against every risk. However, those policies will cover the costs up to your policy limits, which you would expect.
As part of your insurance portfolio, this supplemental policy reduces your risk exposure. In addition, umbrella insurance kicks in once liability limits on your insurance policies have reached liability limits.
Work With an Independent Agent
At Mason-McBride, we understand that not "one size fits all" works regarding insurance. We offer an in-depth interview and risk analysis to customize your umbrella policy fully, considering your unique needs and life situations.
As an independent insurance agent, Mason-McBride has an advantage over insurance companies. Our agents can compare umbrella insurance policies with several carriers and present you with options best suited for you and your family.
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