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Umbrella Insurance for Backyard Hazards and Summer Gatherings



As the sun shines brighter and the temperatures rise, we all look forward to spending more time outdoors with friends and family. Backyard barbecues, pool parties, and summer gatherings bring joy and create cherished memories — but they also come with a few risks. That's where umbrella insurance steps in, providing you with an extra layer of protection and pe

ace of mind. We’re here to guide you through the importance of umbrella insurance for backyard hazards and summer gatherings.


What is Umbrella Insurance?

Umbrella insurance is a supplemental liability coverage that extends beyond the limits of your primary insurance policies, like home or auto insurance. It acts as a safeguard against unexpected events and provides additional financial protection if you're found liable for injuries to someone else or damage to their property. While we all hope for the best, accidents can happen, and having an umbrella policy can be the difference between financial stability and facing a significant financial burden.

Backyard Hazards and Summer Gatherings

When you host a summer gathering at your home, whether it's a simple barbecue or a more elaborate pool party, there are inherent risks that you should be aware of. Accidents like slips and falls, pool-related incidents, or even injuries caused by pets can lead to costly liability claims. Additionally, property damage, like a guest accidentally damaging a neighbor's property, can also result in potential lawsuits.


How Umbrella Insurance Protects You

While your homeowners or renters insurance may provide some liability coverage, it may not be sufficient to fully protect you from a substantial lawsuit. An umbrella insurance policy fills this gap by providing additional coverage, typically starting at one million dollars and going up in increments, depending on your needs. In the event of a covered claim that exceeds the limits of your primary policy, your umbrella insurance steps in to cover the remaining expenses, up to the policy limit.


Advantages of Umbrella Insurance

  • Increased Liability Coverage: With an umbrella policy, you get an extra layer of liability coverage that can help protect your assets and future earnings from being seized to satisfy a judgment against you.

  • Peace of Mind: Knowing that you have extended protection can give you peace of mind during your summer gatherings, allowing you to focus on creating wonderful memories with your loved ones.

  • Affordable Coverage: Umbrella insurance is generally cost-effective, considering the significant amount of coverage it provides. The peace of mind it offers far outweighs the relatively modest premium.

How to Get Umbrella Insurance


Obtaining umbrella insurance is typically straightforward, especially when you work with an experienced insurance agency. Our team of experts will assess your unique needs, taking into account your assets, lifestyle, and potential risks associated with your summer gatherings and backyard activities. We'll then tailor an umbrella policy that complements your existing coverage, ensuring you have comprehensive protection.


At Cushman Insurance, we understand the importance of safeguarding your assets and loved ones, and we are here to help you find the perfect umbrella insurance policy for your needs. Contact us today to learn more about how we can provide you with the peace of mind you deserve this summer.


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