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Personal Umbrella

Sometimes when it rains, it pours. Protect your assets with extra liability when your home and auto policy will not. Umbrella polices give you extra liability insurance coverage beyond existing limits and coverages of other policies, such as auto or homeowners insurance. This becomes increasingly important coverage when your home or auto policy liability has reached its limit, as the Umbrella Insurance will provide additional protection.

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Personal Umbrella

The clear advantage

CLEAR Insurance provides a single point of contact for clear, understandable and unbiased recommendations for all your insurance needs. Whether in the area of commercial coverages for a business or in personal coverage, the CLEAR Insurance team is here to help you protect what matters most.

Who does personal umbrella insurance benefit?

Umbrella insurance can benefit almost anyone. That's because accidents that result in high costs can happen to anybody. An umbrella insurance policy can help prevent you from paying out of pocket for another person's medical or legal bills if you're found responsible. Umbrella insurance also typically extends to other members of your household, such as your spouse, children and other relatives who live in your home and who do not have auto or property insurance in their own name.

What does umbrella insurance cover?

Umbrella insurance provides coverage beyond the limits of your other insurance policies, or for claims that may not be covered by liability policies. Umbrella insurance generally provides liability coverage for:

  • Injuries
  • Damage to property
  • Certain lawsuits
  • Personal liability situations

Coverage is also provided if you're sued for:

  • Slander: An injurious spoken statement
  • Libel: An injurious written statement
  • False arrest, detention, or imprisonment
  • Malicious prosecution
  • Shock/mental anguish

What is not covered by an umbrella policy?

An umbrella policy generally does not provide coverage for:

  • your injuries or damage to your personal property
  • a criminal or intentional action causing damage to someone else
  • liability you assume under a contract

If you want to discuss with an agent about whether you need for a personal umbrella policy, get in contact with us and we’ll guide you in protecting yourself properly from risk.

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Above all, we are independent from any insurance company and we work for you, in getting the best products, at the best price and service you will come to expect and can’t do without.

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