Umbrella Insurance
Get extra liability protection with our umbrella insurance, offering coverage beyond standard policies. Secure your assets against unexpected large claims and lawsuits.
Umbrella Insurance is a valuable additional coverage that extends the protection beyond the existing limits and coverages in other policies.
Imagine a situation where a claim surpasses the coverage of a policy—without Umbrella Insurance, you could find yourself responsible for the extra costs. This insurance steps in to prevent you from paying these additional expenses out of your own pocket, providing a safety net against claims and lawsuits that exceed coverage limits.
What does umbrella insurance cover?
The extent of coverage can vary based on the plan chosen by the client within the insurer’s offerings. This policy may encompass the following scenarios:
- Bodily injury and/or property damage
- Claims for professional negligence
- Property damage and/or injuries to guests, tenants, or other individuals
- Bodily injury or property damage resulting from a traffic accident
- Liability linked to pets
- Defamation, slander, invasion of privacy, and associated defense costs
- Incidents occurring outside the United States
Umbrella or excess liability insurance acts as a safeguard against catastrophic liability, offering higher limits of coverage that usually come with broader protection than the underlying policies. It’s particularly beneficial for insured individuals facing liability claims of substantial proportions.
This type of policy is often adaptable, allowing customization to meet the unique needs of each insured individual.
Who can benefit from Umbrella Insurance?
Umbrella insurance is designed to cater to a wide range of individuals seeking extra financial security beyond their basic primary insurance. This coverage is especially popular among various groups, including:
- Homeowners and real estate owners
- High-risk professionals
- Novice, frequent, or accident-prone drivers
- High-net-worth individuals
- Owners of pets or large animals
What is the cost of an Umbrella insurance policy?
The premium for an Umbrella insurance policy is determined by various individual factors, which include:
- The coverage amount
- The level of risk and liability involved
- Your past claims history
- The chosen deductible amount
- The specific insurance company you select
Let a Dedicated Financial Expert Secure Your Future. Get a Consultation
Contact us today to learn how our tailored financial and insurance services can protect what matters most to you.
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What Our Clients Says
Aico la mejor compañía de seguros de Puerto Rico. Gracias Cesar por siempre siempre recomendarme los mejores productos y darme el mejor servicio. 💯
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Aico la mejor compañía de seguros de Puerto Rico. Gracias Cesar por siempre siempre recomendarme los mejores productos y darme el mejor servicio. 💯
Si buscas a alguien que te pueda ayudar con tus seguros, César Santos es la persona que te puede ayudar.
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