As an independent insurance agency we offer a full-range of Personal Lines Insurance plans from a multitude of insurance companies. Our commitment to your specific needs means you will always receive professional and personalized local attention, at your convenience.

Auto

Today's modern technology filled vehicles can be a very costly investment for just about everyone, one that is exposed to many potential losses that are out of your control. We’ll help you obtain the protection you need at a very affordable price.

Home

Your home is most likely your largest asset. That’s why it’s so important to do everything you can to protect it. We’re here to help you plan for the unexpected with insurance coverage that’s right for your home and your family.

Life

Although we can’t put a dollar amount on our family's future, we can ensure that our intended financial contributions are protected. No one can predict when the unexpected will happen, but we can help you prepare for it when it does.

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A Business Owners Policy (BOP) easily combines business property and business liability insurance into one convenient policy. We’re here to work with you and design the right combination of additional coverages to protect your business from a variety of challenging risks within your industry.

Comm Auto

Whether you have one vehicle or an entire fleet, we can help you in obtaining the custom coverages that will provide greater protection for your business and personal assets from the increased exposure commercial vehicles bring.

Property

Coverage for general risks associated with your business’ premises, equipment and vehicles. It can often include associated loss of business which is essential since it ensures your assets, business, and income are protected.

Liability

No matter the shape, size and nature of your business, there are always uncertainties looming just around the corner. We’ll work with you and discuss your business risks and offer an insurance package that makes solid sense for you.

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Personal Liability Insurance

Personal Umbrella Policy

Liability insurance protects your assets in the event that you (or a member of your household) accidentally injure another person or damage someone’s property. It’s known as “third-party insurance,” because it protects you if a third party files a claim against you. Liability insurance can pay for a legal defense in the event of a lawsuit, and pay medical and/or property claims for which you are found legally liable, up to the limits of the policy. Personal liability insurance can be purchased as part of a package policy (such as homeowners, renters, or auto insurance), or as a separate policy (such as a personal umbrella liability policy).

Liability insurance protects your assets in the event that you (or a member of your household) accidentally injure another person or damage someone’s property. It’s known as “third-party insurance,” because it protects you if a third party files a claim against you. Liability insurance can pay for a legal defense in the event of a lawsuit, and pay medical and/or property claims for which you are found legally liable, up to the limits of the policy. Personal liability insurance can be purchased as part of a package policy (such as homeowners, renters, or auto insurance), or as a separate policy (such as a personal umbrella liability policy).

Personal umbrella liability insurance is designed to protect you against a catastrophic lawsuit or judgment. It provides expanded coverage and increases the amount of your liability protection beyond the basic coverage provided under your homeowners/renters and auto insurance policies. Unlike other types of liability coverage personal umbrella liability insurance can be purchased as a separate policy. However, your insurer will require that you have underlying basic liability coverage (homeowners/renters insurance, auto insurance, or both) before you can purchase an umbrella liability policy. If you are found to be legally responsible for injuring someone or damaging someone’s property the umbrella policy will either pay the part of the claim in excess of the limits of your basic liability coverage or pay for certain losses not covered by your basic personal liability insurance. Naturally, no one expects to be sued. But a good personal liability policy can definitely help to protect both your family and your future.

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Understanding The Basics of Liability Insurance

Why do you need it?

Standard homeowners policies usually provide $100,000 to $300,000 worth of liability coverage. As well as the fact that most states now require you to carry auto insurance with minimum liability coverage (which varies from state to state). It is possible to purchase additional liability coverage under these policies, but amounts may be limited. In today’s society, it’s not unusual to hear of $1-million, $2-million, and even $10-million liability judgments against individuals. If someone is injured in your home, or if you cause a serious auto accident, you could be hit with such a judgment. Without a personal umbrella liability policy, anything beyond the liability coverage limits of your homeowners/renters or auto insurance policy will have to come out of your pockets.

How does it work?

Personal umbrella liability insurance supplements the basic liability coverage provided by your other insurance–it’s designed to kick in when your other liability coverage is tapped out. Depending on the type of claim against you, your homeowners, renters, auto, or boat insurance coverage would be utilized first. Once the basic liability limit under the applicable policy is reached, your personal umbrella liability policy covers the remaining costs, up to the policy limits. For this reason, umbrella liability insurance usually carries a high deductible. Insurance companies typically require you to have homeowners/renters and auto liability insurance equal to the amount of your personal umbrella deductible.

When should you get it?

Your homeowners, renters, and/or auto insurance policies include some liability coverage. So the question is, when should you consider purchasing additional liability coverage (typically in the form of a personal umbrella liability policy)? There is no hard-and-fast answer, but there’s no time like the present because almost anyone can be the target of a huge liability lawsuit. Certain events increase your liability exposure–such as starting a home-based business, or having a teenaged child who gets his or her drivers license–so you should definitely re-examine your liability coverage at these times.

While it is possible to be overinsured, it’s much more likely that you’re underinsured for liability purposes. Don’t learn the hard way that you need more liability insurance. Accidents and injuries don’t happen on a schedule, and once you’re the target of a liability suit it’s too late to increase your coverage.

What does it cover?

A typical personal umbrella liability policy provides the following protection, up to the coverage limits specified in the policy:

What doesn’t it cover?

Personal umbrella liability insurance typically provides extremely broad coverage. Furthermore, if something is not expressly excluded from coverage, it is covered. Although exclusions can vary, the following are some items typically excluded from coverage:

So, how much is enough?

There is no exact science when it comes to determining the appropriate level of personal liability insurance coverage. You might think that you only need enough liability insurance to protect your assets, but this figure is practically irrelevant when deciding how much liability coverage you need. A large judgment against you could easily wipe out your assets and put your future earnings in jeopardy. Instead, consider factors such as the following:

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