Umbrella Policy – Coverage for Your Sudden Wealth

Umbrella Policy Coverage

Umbrella insurance coverage refers to liability insurance that is in excess of other basic policies, and also potentially primary insurance for losses not covered by the other policies.

Personal umbrella policies are extremely valuable due to the fact that they protect you, and your loved ones from unforeseen and tragic events that may reach limits that could exceed what your current policy coverage offers.

What Does It Cover?

  1. Swimming pool, hot tub, and trampoline owners.
  2. Families with young drivers.
  3. Sports enthusiasts (snow and water skiing, horseback riding, rock climbing, golf, etc.).
  4. Owners or operators of operate watercraft, off-road, and recreational vehicles.
  5. Owners of rental property.
  6. Those who frequently host recreational activities on their property.
  7. People who serve on non-profit boards that might be exposed to liability.
  8. Situations where your dog either inflicts bodily harm to a neighbor, or damages their personal property.
  9. Situations where you are found guilty of libel/slander, or any other personal liability suit.

Always analyze your potential risks first, then choose the proper insurance that adequately protects you. Otherwise, you could find yourself wasting money purchasing all types of insurance that you don’t truly need. is an online insurance comparison website. We provide you with the latest insurance news and free umbrella insurance quotes to compare.

About Dale Williams

Dale Q. Williams, MBA, is a well-respected financial executive whose experience spans from insurance to investment banking. Dale has first hand underwriting experience through working for one of the largest U.S. based insurance carriers, and advisory experience from working for several bulge-bracket and middle-market investment banks. Dale also received his MBA from University of Chicago Booth School of Business, with concentrations in finance and accounting.