Umbrella insurance can provide you with the extra protection you need when your existing limits and coverages are not enough. It can help to cover injuries, property damage, certain lawsuits, and personal liability situations.
Umbrella Insurance Benefits
An umbrella insurance policy has two main benefits:
What Does Umbrella Insurance Cover?
Umbrella insurance offers protection that extends past the restrictions of your current policies, or for claims that other liability policies wouldn’t cover.
Do I Really Need Umbrella Insurance?
You are probably thinking “I’ve got auto and house insurance that would cover some of these events.” And you’re right! However, an umbrella policy protects you beyond the limits of your regular home and auto policies. Plus, it covers situations that other types of policies don’t even include. Umbrella rates are surprisingly affordable, so call us today or simply fill out your information to get a quote.
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As a local insurance agency on Long Island we understand the unique challenges and risks that our clients face.
Generally, commercial insurance costs about $300 per million in coverage.
You need enough commercial property insurance to cover the building and everything in it. Additionally, you require liability coverage that rises to at least the average claim value for your industry.
You will likely be asked to present proof of insurance when signing a rental agreement. Plus, you shouldpurchase enough rental insurance to cover all your belongings and any liability you may face.
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