General Insurance

How much car insurance coverage do I need and should I get umbrella insurance?

We generally recommend basing your liability needs on your assets. From the information you've given, I would say that maxing out your liability limits and getting an umbrella policy is probably a wise decision since you own your home and vehicles and have a high net worth.

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Do I need liability car insurance at the time of an accident?

Coverage offered to unlisted drivers varies from policy to policy. You would have to check with the vehicle owner's insurance policy.

Coverage & Claims

Should I claim repairs to my vehicle under my own auto insurance or under the property owners umbrella insurance?

In this case, I would pursue the damages through the LID first. If they deny fault, you can submit it to your insurance company.

Homeowners Insurance

Will my homeowners cover liability for small businesses?

Your homeowner's policy will not cover anything involved with the business unless you have a specific endorsement on the policy for an in-home business. You will want to check with your agent for your policy specifics.

General Insurance

Why are my limits of liability increased when I buy an umbrella policy?

This is how umbrella policies are designed to operate. Basically, an umbrella policy sits on top of your other insurance policies such as your homeowners or auto policy.

Coverage & Claims
General Insurance

Is it necessary to get umbrella insurance with uninsured / uninsured coverage?

Umbrella insurance provides additional liability coverage above and beyond what you have on your auto and homeowners policies. This protects your assets in the event that you are sued for injury or damage that you may have caused to another party for which you are liable.

General Insurance

Should I buy an umbrella policy?

If you currently own your home and/or other high value assets, it's probably a good idea to consider an umbrella policy to protect yourself in the event of a lawsuit. Deciding whether or not to purchase an umbrella policy is a judgement call, but it would provide you with additional liability coverage up to a minimum of $1million.

General Insurance

Do I have to carry umbrella insurance?

Umbrella insurance is intended to provide liability coverage in addition to that of your home and car insurance policies. There is no legal requirement to carry an umbrella insurance policy but many people do to better protect their assets if they were ever to be sued.
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