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Life is full of unexpected events, and sometimes, those events can lead to significant financial liabilities. At West Lake Insurance Agency, we understand the importance of having extra protection. We’re here to help you find the right umbrella insurance policy to safeguard your assets and your future.
What is Umbrella Insurance?
Who Needs Umbrella Insurance?
While anyone can benefit from umbrella insurance, it’s particularly important for individuals who:
- Have a high net worth.
- Own multiple properties.
- Participate in activities with a higher risk of liability (e.g., boating, skiing).
- Are concerned about being sued.
Even if you think you’re not at high risk, a serious accident or lawsuit can happen to anyone. Umbrella insurance provides an extra layer of financial protection when you need it most.
What Does Umbrella Insurance Cover?
Umbrella insurance provides coverage for:
- Bodily Injury: If you’re responsible for causing injuries to someone else in an accident, your umbrella policy can help cover medical expenses, lost wages, and other related costs that exceed the limits of your underlying auto or homeowners insurance.
- Property Damage: If you accidentally damage someone else’s property, your umbrella policy can help cover the repair or replacement costs beyond the limits of your other policies.
- Personal Liability: This covers a range of liability claims, such as libel, slander, defamation, and invasion of privacy.
- Legal Defense Costs: Even if a lawsuit against you is frivolous, defending yourself can be expensive. Umbrella insurance can help cover your legal defense costs, even if the underlying claim is not covered.
Why Umbrella Insurance Is Important
Umbrella insurance is crucial for protecting your assets and your financial well-being:
- Asset Protection: It shields your savings, investments, and other assets from being seized to pay for a judgment against you.
- Peace of Mind: Knowing you have an extra layer of liability protection allows you to live your life with greater confidence.
- Affordability: Umbrella insurance is surprisingly affordable, especially considering the substantial protection it provides.
Get a Quote from West Lake Insurance Agency
Protect your hard-earned assets and secure your financial future. Fill out the form below to get a personalized umbrella insurance quote from West Lake Insurance Agency. We’ll help you find the right coverage at the right price.
Who we are
Insurance agency you can count on.
West Lake Insurance Agency takes the work out of buying commercial insurance for businesses. We help small business owners and operators find quotes for commercial insurance from preferred insurance companies.
General Questions
Business insurance covers your business against property damage or theft and covers you if you’re sued for negligence or if any of your employees are involved in an accident while using business-owned vehicles. It’s important to ensure you have the correct types of policies, at the right levels, for the business activities you routinely undertake.
Business insurance covers the operations and assets of commercial organizations. There are several kinds of business insurance, such as: Commercial auto insurance, Professional liability, Commercial property insurance, Commercial umbrella insurance.
Browse our site or contact us for information about business insurance to learn everything you need to know to protect your business with the right insurance policy.