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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), and T. Robert Sullivan Insurance are the affiliated agencies comprising the Cushman Insurance Group.