An umbrella policy, also known as excess liability, provides additional layers of liability protection.

If the liability limits are depleted on your home, auto, or other underlying insurance policy, an umbrella policy takes over and provides additional protection ensuring the ability to maintain your lifestyle should an accident occur.  Personal and commercial excess liability policies are available in amounts ranging from $1 million to $10 million.

PERSONAL

You don’t have to be wealthy to need the protection of an umbrella policy.  With lawsuits becoming more common and an ordinary judgment awarding $1 million, your home, assets, earnings, and even future earnings could be at risk.

At Advantage Insurance, we believe you should have the peace of mind that you deserve.  Certain minimums may be required on existing primary insurance policies to receive excess liability coverage.  A local friendly agent would be happy to discuss your needs and help you determine how much is right for you.

COMMERCIAL

As a business owner, you need to make sure that your business is protected against liability lawsuits.  A commercial umbrella policy can provide you with additional layers of liability protection ensuring your business will not be hindered in the event of an accident and ensuing lawsuit.  This can range from worldwide and personal injury coverages, to blanket contractual liability protection, advertisers and liquor law liabilities, and extended protection to additional insureds.

An Advantage Insurance agent can help you determine the coverage amount that works best for your business.

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We represent top ranked insurance companies for  AUTO, HOME & BUSINESS with companies like MetLife, Travelers, The Hartford, State Auto, Progressive, Allied, Foremost, Encompass, Victoria, American Modern and Dairyland to make it easy for you to save money.
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