Serving all of New England

Personal Umbrella

Protecting Your Personal Assets and Net-Worth

personal-umbrellaYour auto or home insurance will protect you against a minor loss, but will it hold up against a catastrophic loss? Today, lawsuits can run into hundreds of thousands or even millions of dollars.

Without adequate protection, your home, car, investment and retirement accounts, checking and savings accounts, even your future income, could all be at risk.

Asking yourself if you really need an umbrella policy? Instead, ask if you can afford to pay a large liability verdict from your own savings.

  • A 12-year-old boy suffered lacerations to his lower legs and thigh when he walked by a neighbor’s house and was bitten by her two dogs. Plaintiff Verdict, Compensatory Award: $500,000
  • A man improperly installed a pool diving board at his former home that later resulted in a serious injury to the home’s new owner. Out-of-court Settlement: $2,500,000
  • A driver was rear-ended by an uninsured motorist, which forced the driver’s car into another vehicle and caused injures to the occupant of the front vehicle. Out-of-court Settlement: $1,250,000

A personal umbrella policy provides you with liability protection for bodily injury, personal injury, or property damage that goes above and beyond the limits of your primary policies. An umbrella policy also provides you with these additional benefits:

  • Protection for claims not be covered by your home, auto or watercraft policy.
  • Protection for a loss anywhere in the world.
  • Coverage for defense costs and attorney’s fees.

Contact us to discuss how an umbrella policy can protect your current and future assets. Call 508-347-6850, or email our personal lines department today.

Fill out the form below to learn more about personal umbrellas:

tailored-coverage

Tailored Coverage

You should never have to compromise on your insurance protection. Every individual, business, and family has a unique set of needs that can’t be met with a one-size-fits-all quote. Our Freedom Plan lays the foundation for us to customize an insurance plan that’s tailored to your specific needs and risks at a competitive price.
heart-of-new-england

Heart of New England

As a regional insurance agent and broker, we understand what it means to service our clients throughout New England. With two central offices, we understand the very specific risks of the region’s businesses and consumers and can tailor an insurance solution to meet your needs.
educational-partner

Educational Partner

Do you know what gaps may be hidden in your coverage, leaving you unprotected when disaster strikes? We pride ourselves on educating our clients on their coverage details, including the terms, limitations and conditions of their insurance policies. We also produce fresh content in our Resource Center that is timely and of most value to you.
claims-center

Claims Center

What do you need to file a claim? When you’re dealing with a loss, you should be confident in knowing that our licensed staff will respond promptly. We handle claims on a more personal level, working directly with your insurance company throughout the entire process to ensure that your claim is settled both quickly and fairly.
powerful-network

Powerful Network

Our staff conducts extensive research to develop a custom insurance plan or risk management strategy for your personal or business needs. We then present you with a selection of programs from multiple insurance carriers that will protect your business equity or personal net worth.