Be prepared for the unexpected. Just as the name implies, an umbrella policy is a cost effective way to provide excess liability coverage over all of your other policies. If a major claim occurs and the amount of coverage on the primary policy is exhausted, the umbrella kicks in to provide more. A common misconception is that an umbrella is only for those with “high net worth”. Although this coverage is essential for those individuals, anyone with assets should have them protected by an umbrella. Just call and ask our friendly staff any questions you may have.