Umbrella Insurance in Michigan

Umbrella Insurance adds an extra layer of liability protection above what your other policies already provide. Auto, home, and business liability coverage all have limits, and a serious accident, injury, or lawsuit can exceed those limits faster than most people expect. Umbrella coverage picks up where those policies leave off, so a single bad day does not put your savings or your business at risk.

How Umbrella Insurance Works

Here is how umbrella insurance generally works:

It sits above the liability limits on policies like your auto, home, or general liability coverage
It begins paying once the underlying policy's limit has been used up
It can sometimes cover certain claims, such as libel or slander, that your underlying policies do not
It typically requires you to carry specific minimum liability limits on the policies it sits above

Who Should Consider Umbrella Insurance

Umbrella insurance is worth considering for Richmond, Michigan homeowners and families who have:

A pool, trampoline, or other features that increase visitor risk
A teen driver or multiple vehicles in the household
Rental property they own and lease to tenants
Meaningful savings, home equity, or other assets they want to protect

Extra Protection for Business Owners

It is just as valuable for the business owners we work with. An umbrella policy can:

Provide added protection above your general liability or commercial auto limits
Help meet the higher coverage requirements some contracts or leases require
Give public-facing businesses, like restaurants and auto dealerships, extra peace of mind when things do not go as planned

Get an Umbrella Insurance Review

Because the right amount of umbrella coverage depends on your existing policies and your overall risk, our online quoting tool does not handle this type of coverage. Contact our Richmond, Michigan team today, and we will help you decide whether an umbrella policy makes sense for you and your family or your business.

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