Extra Protection with Umbrella & Excess Liability Insurance
Safeguard your assets and future with additional coverage. Serving Visalia, Fresno, and the Central Valley.
What is Umbrella & Excess Liability Insurance?
Umbrella and excess liability insurance provide an additional layer of financial protection beyond the limits of your existing policies, such as home, auto, or business liability insurance. These policies are designed to protect your assets and future against significant claims or lawsuits. At Modern Edge Insurance Brokers, we help individuals and businesses in Visalia, Fresno, and the Central Valley find affordable, tailored solutions to meet their unique needs.
Key Features of Umbrella & Excess Liability Insurance
Additional Coverage Limits: Extends the liability limits of your existing policies to cover large claims.
Broad Protection: Covers a wide range of incidents, including personal injury, property damage, and legal defense costs.
Affordable Premiums: Provides high-value coverage for a relatively low cost.
Worldwide Coverage: Many policies offer global protection for covered incidents.
Peace of Mind: Protects your personal or business assets against catastrophic financial losses.
Frequently Asked Questions
What’s the difference between umbrella and excess liability insurance?
Umbrella Insurance: Offers additional coverage that may extend beyond what’s covered in your existing policies.
Excess Liability Insurance: Strictly increases the limits of your existing liability policies without adding new types of coverage.
Who needs umbrella or excess liability insurance?
Anyone with significant assets, high earning potential, or risks not fully covered by standard liability policies can benefit from additional protection.
How much coverage do I need?
Coverage needs depend on your assets, risks, and existing policy limits. A common starting point is $1–$2 million in coverage.
Is umbrella insurance expensive?
Umbrella insurance is surprisingly affordable, with premiums often starting at just a few hundred dollars annually for substantial coverage.
What does umbrella insurance not cover?
Umbrella policies typically don’t cover intentional acts, business-related risks (unless specified), or damages to your own property.
