Umbrella Insurance

Prepare for the Unexpected & Protect Your Family

Prepare for the Unexpected & Protect Your Family

In today's litigious society, jury awards and out-of-court settlements can be hundreds of thousands and even millions of dollars.  Then add legal fees to that bill and all that you have worked so hard to achieve could be gone.

An umbrella is an additional layer of liability coverage that can protect your home(s), auto(s) and other assets in the event of a third party lawsuit.  An umbrella responds to excess liability judgments for loss, injury or even death caused by your negligence.

Since umbrella insurance is a form of liability insurance, it does not cover your medical expenses or loss to your home, auto, property.

In most cases, umbrella insurance protects you from:

  • Injuries you cause in a car accident
  • Injuries someone suffers on your property
  • Property damage you cause in an accident
  • Property damage your pet causes
  • Property damage a dependent or child causes
  • Attorney fees and other legal costs if you’re sued

Since the terms of umbrella insurance policies will vary, depending on insurance companies, and your own personal needs, please call and speak with one of our licensed representatives.

Qualifying for Umbrella Insurance - Underlying Limits

In order to qualify for umbrella coverage with our insurance carriers, you must carry a minimum liability limit of $300,000 on your homeowners insurance (and all property insurance) and 300CSL or 250/500/100 on your auto insurance.


Real Claims Suffered By Customers of The Andover Companies:

  • While playing with bb guns, a boy was shot by another boy at their friend's home. Plaintiff Verdict, Compensatory Award $500,000
  • A 12-year-old boy suffered lacerations to the lower legs and thigh when he walked by a neighbor's house and was bitten by her two dogs. Plaintiff Verdict, Compensatory Award $500,000
  • A man properly installed a diving board in his home which later resulted in a serious injury to the home's new owner. Out-of-court Settlement $2,500,000
  • A 6-year-old boy suffered partial permanent impairment of one arm and hand while playing in a friend's yard and being lifted over a fence to retrieve a ball. Compensatory Award $1,220,000 (later settled)
  • A teenage driver hit a parked truck, causing passengers to suffer serious head injuries. Out-of-court Settlement $1,875,000

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