Umbrella Liability Insurance

Umbrella LiabilityThe Lapointe Insurance Agency offers affordable protection in the form of umbrella insurance policies. The risk of being sued if you accidentally injure someone or damage their property becomes greater every year.

We can help you determine whether this extra layer of liability protection makes sense for you.

What is personal umbrella insurance?

Personal umbrella liability insurance provides coverage beyond your homeowner or auto policy by adding an extra layer of liability coverage. Coverage is provided in amounts of $1,000,000 increments. Umbrella insurance also covers situations that may not be covered by another policy such as slander or libel.

Who should purchase personal umbrella coverage?

Historically, wealthy people in MA and RI with sizable assets have purchased personal umbrella policy coverage. This is no longer the case. Since our society has become more litigious, people of all income levels are choosing to extend their liability coverage. The greater your risk factors, the more you will need to protect yourself. Some high-risk factors include:

  • Owning a personal watercraft
  • Having a young driver in the family
  • Owning a swimming pool
  • Owning a recreational vehicle

Providing Personal Service in Massachusetts and Rhode Island since 1960