An Umbrella or Excess Liability Policy are typically written in increments of $1M. It provides additional liability coverage over your home, auto, boat & rental policies for personal lines & over your business exposures for commercial lines.

Why should you purchase Umbrella Insurance?
You may not think you need an umbrella policy, but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars? Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Insurance is typically purchased at a low cost to you, but will provide enough coverage to where you shouldn’t have to worry about liability costs in the future.

Carrier Spotlight:

Their are many carriers that offer Umbrella Insurance, some are stand-alone meaning they don’t need to have supporting lines of coverage, others that require both the Home & Auto with the same carrier to bind the umbrella. Then there are carriers like Safeco, which offers an Umbrella to any client that at minimum has Auto. The Home & rental properties are subject to minimum underlying coverage but their Umbrella will still extend protection to other properties. Additionally, Safeco offers multi-policy discounts for packaging any combination of the Home, Auto, Rental Properties and Umbrella together.

Additionally, Safeco & Nadler Insurance have partnered to offer our clients 24/7 access to their Gold Service Center. On top of the exceptional support the Nadler Insurance / InsureMySuccess team provides we will also give access to 365-Support with licensed Safeco Insurance Specialist. So those off-hours and weekends when you need to make a change or add a coverage we can help you right away!