Umbrella Insurance

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Lawsuits happen everyday, and the rulings are only getting more and more financially taxing. We're not talking thousands of dollars in payouts, we're not even talking hundreds of thousands of dollars; we're talking millions. And guess what? No one is immune to a lawsuit, not one person.

Do you own a home, or drive a vehicle? No matter what you do, or who you are, a lawsuit may be lurking around any corner. It could be hidden under that loose floorboard located just at the top of the stairs; it could be laying in wait next to the cracks in the walkway out front; or it could even be waiting in the doghouse out back. And without Umbrella Insurance to give extended protection, the coverage offered by your car insurance or homeowners insurance probably won't be enough.

At Joyce, Jackman & Bell Insurors, we don't want you to be on the wrong side of a financially crippling lawsuit. Which is why we of

What is Umbrella Insurance?

This coverage is a type of specialty liability protection that is offered in excess of your other personal lines insurance products. It is different from traditional liability insurance in that it cannot be used until you have exhausted your primary policy.

So if you are involved in an auto accident and are found to be at fault, your Umbrella Insurance will not come into play until your auto policy has paid out to its full coverage limit. Only then will this additional coverage kick in.

Typical coverage exclusions include:

  • Liability assumed under contract
  • Damages to property you own
  • Expected or intended damages
Adria Gaughan

Adria Gaughan

Client Service Manager



Kelly  Dolphin

Kelly Dolphin

Director of Sales & Marketing Personal Insurance



Umbrella Insurance Inquiry

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