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Umbrella Insurance
What is Umbrella Insurance?
Umbrella insurance, also known as a personal umbrella policy (PUP), provides additional liability coverage that goes beyond your standard auto or property insurance. It helps protect you and members of your household against large and unexpected liability claims or lawsuits — stepping in when your existing policy limits have been reached.
In short, it’s your extra layer of protection when your “standard coverage” isn’t enough.
Why consider an Umbrella Policy?
Umbrella insurance is optional, but it can make a big difference when the unexpected happens.
For example, imagine you cause a car accident and your auto policy covers up to $250,000 — but the injured driver sues for $1 million. Without umbrella coverage, you’d be responsible for the remaining $750,000. With an umbrella policy, you’re protected up to your chosen limit.
Here are a few other real-life examples where umbrella coverage can help:
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A guest is injured around your pool or on your property.
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Your dog bites someone and they sue for damages.
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Your teen driver is involved in an accident.
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You cause accidental damage to someone else’s property.
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You’re sued for defamation after posting a review online.
Who and what does an Umbrella Policy cover?
A Smallwood Umbrella Policy offers broad protection for many types of liability claims, including:
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Bodily Injury: Covers medical expenses, lost income, and funeral costs for others involved in an accident.
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Personal Injury: Includes coverage for libel, slander, false arrest, defamation, and invasion of privacy.
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Property Damage: Helps cover the cost of repairing or replacing someone else’s damaged property.
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Your umbrella policy typically protects:
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You and your spouse
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Any listed individuals on your policy
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Relatives or dependents living in your household
Get started with your Umbrella Policy
Safeguard your assets and future with comprehensive umbrella protection.
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What is not covered under an Umbrella Policy?
While umbrella coverage provides a wide safety net, there are some exclusions. It generally won’t cover:
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Liability or damages related to your business activities
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Your own property or belongings
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Intentional or criminal acts
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Obligations under written or oral contracts
Coverage limits & benefits
Umbrella policies are usually available in $1 million to $5 million increments, allowing you to choose the level of protection that fits your needs. With a Smallwood Umbrella Policy, you may also benefit from:
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Legal defense costs covered if you’re sued under a covered claim
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Coverage that extends worldwide — even when you’re traveling
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Reimbursement for lost wages if you need to appear in court