a person holding an umbrella

Umbrella Insurance Coverage

Protect your financial stability and peace of mind with comprehensive coverage for your personal or business needs.

Learn More


Umbrella Insurance Policies

A good umbrella insurance policy gives you peace of mind and financial protection. It delivers extra liability coverage on top of your other insurance policies. Umbrella insurance may also cover some situations that aren’t covered by your primary policies.
question mark

What does umbrella insurance usually cover?

shield divider

Umbrella Insurance Coverage Types

elderly men walking on a path

Personal Umbrella Insurance

An accident resulting in personal injury can put your home, car and financial stability at risk. Personal umbrella liability insurance is an extra layer of coverage to protect your hard-earned dreams.**
You cause a serious car accident, and the bodily injury amount to $700,000, but your limit is only $500,000. Personal umbrella insurance can help you pay the balance up to your coverage limit.
barista holding coffee in front of store

Commercial Umbrella Liability Insurance

Our commercial umbrella policy provides additional liability coverage above your business liability limits, so you'll always be prepared for the unexpected.**
An employee falls asleep at the wheel while driving your business vehicle and collides with a truck, injuring its two occupants. Commercial umbrella coverage can give you an added layer of protection up to your policy's limits.
a man and woman walking a horse

Farm and Ranch Umbrella Liability Insurance

farm and ranch liability umbrella policy adds an extra layer of liability coverage over your primary insurance limits. If a loss exhausts your primary liability coverage, it can help cover the excess damages.**
Some of your livestock wander out and cause an accident. Farm and ranch umbrella insurance can help pay for losses up to your chosen limit after your primary liability coverage has reached its limits.

Trusted by over 12 Million Customers & Counting

a white t-shirt with blue text

90+ Years

Over 90 years in business protecting our customers

12 Million Customers

Reliable, quality coverage for customers across 19 states

Start Your Quote

Customize your experience.
Do It Yourself - Start a Quote

Get Started

Learn more about pricing and coverage options for umbrella insurance.
Work With An Agent

Work with an Expert

Find the perfect agent for you and get free, no-pressure advice.