Umbrella insurance offers an extra layer of protection for your assets beyond the limits of your primary policy. Having this additional coverage can provide you with peace of mind knowing that you are well-protected in the event of a serious accident or expensive lawsuit. Insurance Solutions Inc., serving the Cullman, AL area, offers umbrella policies to help protect what you value most.

Examples of How Umbrella Insurance Can Cover You

Umbrella insurance is an additional layer of liability coverage that protects you from catastrophic losses, such as a major lawsuit or accident where the damages exceed your primary policy limits. It can provide coverage for legal defense costs and judgments in excess of the limits on your primary policy. Here are some examples of how umbrella insurance can cover you:

Bodily Injury and Property Damage Liability: Umbrella insurance covers damages caused by your negligence, such as a car accident where you are at fault or if someone gets hurt on your property.
Personal Injury Liability: If a guest to your home is injured due to your negligence, umbrella insurance will cover the medical bills and any legal costs for litigation that may follow.
Defamation Liability: If an allegation of libel or slander is made against you, umbrella insurance can provide coverage for both legal defense costs and judgments in excess of the limits on your primary policy.
Employer’s Liability: If you own a business and an employee is injured while at work, umbrella insurance can provide coverage for medical bills, legal defense costs, and judgments that exceed the limits of your primary policy.

Final Thoughts

Umbrella insurance helps protect what you value most from being exposed to potentially ruinous financial losses. Insurance Solutions Inc., serving Cullman, AL area, offers umbrella policies tailored to meet your individual needs. Let us help put your mind at ease with expert advice on how we can best protect you with our umbrella insurance solutions.