Personal Insurance · Bancorp Insurance
Umbrella Insurance
When Your Other Policies Run Out.
One lawsuit can wipe out everything you’ve built. An umbrella policy extends your liability protection to $1M, $2M, $5M or more — for less than the cost of your daily coffee.
✓ Covers Gaps in Primary Policies
✓ Libel & Slander Coverage
✓ Powered by OneDigital
Do You Need It?
If You Answer “Yes” to 2 of These, You Need an Umbrella Policy
You own your home
You own two or more vehicles
You own a boat, jet ski, or RV
You own rental property
You have a teen driver
You carpool or drive others’ kids
You own a business
You are a gun owner
Your net worth exceeds $500,000
You’ll earn wages for 5–10+ more years
If you answered yes to even two of these, your current home and auto liability limits may not be enough to protect your assets and future earnings. An umbrella policy is the most cost-effective way to add a critical layer of protection.
Real Claims. Real Numbers.
These Are Real Events That Happened to Real People
Liability claims can escalate into life-altering financial events in seconds. Here are a few real examples of umbrella claims — and how umbrella coverage made the difference.
Paintball Accident
Children were playing paintball in the insured’s backyard when a participant removed her face protection and was struck in the eye. The claim settled for more than $475,000.
Dog Bite at a Play Date
The family dog bit a child visiting for a play date, resulting in multiple reconstructive surgeries. The family settled for roughly $10,000,000.
Social Media Defamation
A teen made false statements about a neighbor on social media. The neighbor — a school administrator — sued for lost wages and damages. The parents were ordered to pay more than $750,000.
Collapsed Balcony at Prom
A porch balcony collapsed while hosting prom photos, injuring multiple students who fell 10 feet. Each injured student demanded settlement to the insured’s umbrella limit.
Drunk Guest — Host Liability
A guest drank too much at the insured’s party, drove home, and killed someone in an accident. The victim’s family sued the homeowner for liquor law liability.
Teen Driver & Rental Boat
An 18-year-old drove the family boat and struck a swimmer, severely injuring them. The claim received just under $1,000,000 — covered by the umbrella policy.
All examples are based on real events. Amounts are illustrative and can vary.
Know the Difference
Umbrella Policy vs. Excess Liability — Not the Same Thing
Many insurers sell “Excess Liability” policies and call them umbrella coverage. They are not the same. Here’s what to ask your agent — and why it matters.
⚠️ Excess Liability Policy
- Adds limits on top of existing policies only
- Must “follow the form” of a primary policy
- No coverage if you don’t have a primary policy
- Won’t cover a rented boat if you don’t own a boat
- No libel/slander coverage
✓ True Umbrella Policy
- Extends existing coverage and fills gaps
- Covers situations with no primary policy
- Covers rental boats, RVs, motorcycles
- Covers libel, slander & personal injury
- Same price — significantly more protection
We carry insurers who sell true umbrella policies. If your agent can’t answer “yes” to rented boats, liquor liability, and social media defamation — they’re selling you an excess liability policy. Talk to us instead →
Frequently Asked Questions
Umbrella Insurance Q&A
The most important questions to ask before buying an umbrella policy.
What does umbrella insurance cover? +
Umbrella insurance provides additional liability coverage beyond the limits of your home and auto policies. A true umbrella policy also covers gaps — including situations where you don’t have a primary policy — and covers libel, slander, and personal injury claims.
How much does umbrella insurance cost? +
Most people can purchase a $1,000,000 umbrella policy for less than the cost of lunch — often just a few hundred dollars per year. Limits of $2M, $5M, and even $10M are available at proportionally low cost relative to the protection they provide.
What is the difference between umbrella and excess liability? +
An excess liability policy only adds limits on top of existing policies. A true umbrella policy also fills coverage gaps — covering you for rented vehicles, boats, and situations not covered by any primary policy. They cost about the same, but an umbrella provides significantly broader protection.
Does umbrella insurance cover social media defamation? +
Yes — a true umbrella policy covers personal injury claims including libel, slander, and defamation. This is increasingly relevant with social media. An excess liability policy does not provide this coverage.
Am I covered if I rent a boat, RV, or motorcycle on vacation? +
With a true umbrella policy, yes. If you rent a boat and don’t own one, a true umbrella acts as your primary liability coverage. An excess liability policy won’t cover this because there’s no underlying boat policy for it to follow.
How much umbrella coverage do I need? +
A common starting point is $1,000,000 — enough to cover most liability claims. If your net worth exceeds that, consider $2M or $5M. We’ll help you match your coverage to your actual exposure and assets.
What Our Clients Say
Real Reviews from Real Clients
Don’t just take our word for it.
