Personal Umbrella and Excess Liability

Extra Protection for Life’s Unexpected Moments

Standard insurance policies provide essential coverage, but when it comes to significant claims or lawsuits, those limits may not be enough. Personal Umbrella and Excess Liability Insurance from Robertson Ryan Insurance offers an added layer of financial protection, giving you and your family peace of mind.

Why Choose Personal Umbrella & Excess Liability Insurance?

Personal Umbrella Insurance provides extra liability coverage beyond the limits of your standard policies, such as homeowners, auto, or boat insurance. Here’s why it’s essential:

  • Protection Beyond Basic Policies: When the limits of your regular policies are exhausted, umbrella insurance steps in, covering you for substantial liability claims.
  • Broader Coverage: This coverage can protect against claims not typically covered by standard liability policies, including false arrest, defamation, and personal injury.
  • Financial Security: Major claims or lawsuits can impact your finances and lifestyle. Umbrella insurance safeguards your savings, retirement, and other assets.

Why Choose Personal Umbrella & Excess Liability Insurance?

Robertson Ryan & Associates offers flexible umbrella insurance solutions to provide comprehensive liability coverage tailored to your specific risks:

  1. Extended Liability Limits
    • Offers additional liability coverage, often starting at $1 million, to protect against costly claims.
    • Helps cover expenses related to bodily injury, property damage, and personal liability.
  2. Broader Protection Beyond Standard Policies
    • Covers situations not typically included in auto or homeowners policies, such as libel, slander, and defamation claims.
    • Protects against certain legal costs if you’re sued for significant damages.
  3. Worldwide Coverage
    • Offers coverage wherever you go, so you’re protected from liability claims when traveling domestically or internationally.
  4. Peace of Mind for Life’s Unexpected Risks
    • Protection for higher-risk activities, such as hosting large events, renting out properties, or owning recreational vehicles.

Do You Need Personal Umbrella Insurance?

If you’re wondering if umbrella coverage is right for you, consider your financial assets and potential risks. You may benefit from an umbrella policy if:

  • You own a home, vacation property, or rental properties.
  • You have significant savings, investments, or retirement funds to protect.
  • You have teenagers or young drivers in the household.
  • You participate in higher-risk activities or own recreational vehicles.

Our agents can help assess your needs and advise you on the coverage that makes sense for your unique situation.