Personal umbrella policy: Your liability safety net

personal-umbrella-policy

A personal umbrella policy adds an extra layer of insurance protection.

When accidents happen, lawsuits may follow. You can protect your financial assets and future earnings by purchasing a personal umbrella liability policy.

A personal umbrella policy works with your existing insurance to add the extra layer of protection that you may need. After all, you don’t have to be a millionaire to be sued for $1 million.

Auto

Liability coverage on your auto policy protects you when there is damage or an injury caused by you, a family member or even someone else using your car with your permission. Your auto policy coverage limits could be exhausted in a serious accident; that’s where the umbrella policy steps in.
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Plant the seed of success for your homeowner association

Your homeowner association board and its members may need liability coverage.

Your homeowner association board and its members may need liability coverage.

Our yard is blooming before our eyes. Our neighbors also have been rounding out their yards with diverse vegetation, and our homeowners association has been caring for the common areas of our development beautifully. You really do reap what you sow, whether in life or in business.

As your housing development grows, responsibilities increase and so may your need for insurance. As a board of directors and officers is formed, condominium and homeowners associations are at risk without non-profit Read More

How to rent a car without borrowing trouble

woman renting car

Before you take off for vacation in a rental car, think about the insurance you need.

If your summer vacation includes use of a rental car, a little knowledge about auto insurance could preserve your peace of mind and save you money.

Consult with your agent and check your policy for coverage, limits and deductible amounts. You may be able to save money by declining the insurance offered by the rental company if your own policy provides the coverage you need.
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Are you a ‘homepreneur’? Protect your successful business

man-and-child-at-piano-with-credits

Did you know that standard homeowner policies may not cover losses from business-related activities in your home?

You made it! You turned your passion into a going concern. Maybe you turned your sewing hobby into an alterations business. Or perhaps you left the corporate accounting department to strike out on your own. Congratulations on your successful, home-based business.

Now are you willing to bet your house on it?

That’s what you might be doing if you aren’t properly insured. Standard homeowner policies generally don’t cover business-related losses. According to the U.S. Small Business Administration, more than half of all U.S. businesses are based out of an owner’s home. Read More