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What Does Umbrella Insurance Cover?

Umbrella insurance provides you with the extra protection you need for peace of mind. It goes beyond the limits of insurance policies you probably already have in place by offering additional coverage for incidents, such as property damage, certain types of lawsuits, injuries from accidents, and personal liability incidents that you could find yourself involved with someday. Umbrella insurance offers added protection in two ways: more coverage and additional coverage options.

Examples of Umbrella Insurance Coverage

Bodily injury: Your dog is loose in your yard but suddenly bites your neighbor as they walk past your house. An umbrella insurance policy can cover your neighbor’s medical expenses and even time off of work if necessary.

Property damage: You have business insurance but your worker at your construction business drops a hammer on a passerby from the top of a building, giving the person a head injury and they decide to sue. Your umbrella policy will kick in to pay medical and legal expenses that surpass the amount of coverage you already have through your commercial business insurance policy.

Slander or libel: You are a reporter and someone sues you for libel. Your umbrella policy can help you pay your legal expenses to defend yourself in court against this type of suit.

These are just a few examples of situations in which an umbrella insurance policy will come in handy. To create an umbrella policy for you and your situation, you will need to enlist the help of an experienced insurance agent. The trusted and knowledgeable agents at the Bailey Insurance LTD in Phoenix, AZ are ready to meet with you to create your umbrella insurance policy. Call for an appointment today!