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Umbrella Insurance


You have automobile insurance.  You have homeowner insurance.  So you may ask “Why do I need umbrella insurance?”



Your homeowner and auto insurance policies have coverage limits.  A personal umbrella policy can substantially increase your coverage above those limits.  Umbrella insurance is a low cost coverage that is designed specifically to protect you and your family against a catastrophic lawsuit or judgment against you.  Consider these two examples*:


A man improperly installed a diving board in his former home; this later resulted in a serious injury to the home’s new owner. Out-of-court settlement: $2,500,000

A teenage driver hit a parked truck, causing his passengers to suffer serious head injuries. Out-of-court settlement: $1,875,000


If you were to have a judgment or settlement like these against you, your auto or homeowner policy would cover you to the extent of your policy limit.  If for example that limit were $500,000, you would be responsible for the remainder (not to mention legal fees.)  A personal umbrella policy can protect you against expenses like these that could result in you losing your home, your car and much of your future earnings.


A Cushman Insurance Group agent can help you determine what level of coverage is right for you.  (Policy options can range from $1-million to $5-million.)  And you can rest easier that your assets, earnings and family’s future are protected.


*Source: Cases quoted by Arbella Insurance Group, umbrella policy literature.



Cushman Insurance (Brockton, Lakeville, Halifax); Ora A. Andrews Insurance (Norton, S. Attleboro); T. Robert Sullivan Insurance (S. Boston) are the affiliated agencies comprising the Cushman Insurance Group.