UMBRELLA INSURANCE

Umbrella insurance offers additional coverage beyond your standard policies, protecting your assets from large claims and lawsuits.

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WHAT IS UMBRELLA INSURANCE?

Umbrella insurance provides extra liability coverage beyond your existing policies, protecting your assets and future income from costly claims and lawsuits.

WHAT DOES UMBRELLA
INSURANCE COVER?

Do your assets or potential liabilities exceed the coverage of your auto, home, or other insurance policies? If so, umbrella insurance is especially valuable to you.
Umbrella insurance can cover medical bills, property damage, and legal defense costs.

WHO NEEDS UMBRELLA INSURANCE?

Anyone with assets to protect should consider umbrella insurance. It’s especially beneficial for:

Homeowners: With pools, trampolines, or high-risk features.
Landlords: With rental properties.
High-net-worth individuals: With assets exceeding standard coverage.
Risky activity participants: Involved in skiing, hunting, etc.
Families with young drivers: New or inexperienced drivers at home.
Frequent travelers: Concerned about liability abroad.

Umbrella insurance provides peace of mind by offering extra protection against costly lawsuits and claims.

QUESTIONS?
WE HAVE ANSWERS

Explore our FAQs to learn more about Umbrella insurance

Is umbrella insurance required by law?

No, umbrella insurance is not required by law. It is optional coverage that offers protection beyond the limits of your primary auto or homeowners policies and is typically recommended for those with significant assets or higher risk of large lawsuits.

What’s the difference between umbrella insurance and professional liability insurance?

Umbrella insurance covers personal liability, while professional liability insurance protects against professional negligence. Umbrella insurance can also provide coverage for areas that professional liability insurance does not.

Can I get my umbrella and general liability insurance under one policy?

No, umbrella insurance and general liability insurance are separate policies, but umbrella insurance can provide additional coverage beyond your general liability policy. You must have a general liability policy in place before purchasing an umbrella policy.

How do I show proof I have umbrella coverage?

To show proof of umbrella coverage, you can provide a Certificate of Insurance (COI). This document, issued by your insurance provider, verifies your coverage, including policy details like limits, effective dates, and insurer contact information.

How do I file an umbrella insurance claim?

To file an umbrella insurance claim, contact your insurer right away after an incident. Provide details and documentation about the event. Your insurer will assess the claim, determine coverage, and guide you through the process, including legal support if needed.

WHAT PEOPLE
SAY ABOUT US?

Read testimonials from our clients on how our programs have helped them protect their employees and save money on insurance payouts.

Congratulations to Rosa Rodriguez for the quality of her work, helping to obtain the correct information on time. thank you for your great support.

Mrs Joanne is one of the best people to work with! She has guided me through my business obstacles. I recommend her to anyone starting a new business!

Sandra Cruz from OCMI is absolutely amazing also the other staff too but no one can't compare Sandra Cruz, she's simply the best.

Andres was very professional. Followed up throughout the process. Excellent service.

UMBRELLA INSURANCE

WHAT IS UMBRELLA INSURANCE?

WHAT DOES UMBRELLAINSURANCE COVER?

WHO NEEDS UMBRELLA INSURANCE?

WHAT DOES UMBRELLA
INSURANCE COVER?