We offer under-the-umbrella coverage to protect your personal assets from risk.

Umbrella Insurance for Metro-Denver Individuals & Families

Security comes with having the right mix of insurance coverage in your portfolio of products to protect the assets you’ve worked so hard to accumulate. Having sufficient liability limits on your Auto and Homeowners policies is a start. But a catastrophic loss can result in a significant setback without protection that truly goes the distance. With a Personal Umbrella policy from Mountain Insurance Management, you will have the added Liability coverage you need to protect your assets in the event of a lawsuit.

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Why Purchase an Umbrella Policy

Umbrella insurance is a smart choice for anyone who has assets and/or is earning a salary. You will be protected if:

  • An individual is injured on your property and sues you. An Umbrella policy will not only cover the cost of any medical bills, it will also pay for your legal defense if the costs add up to more than the Liability coverage on your Homeowners policy.
  • You are involved in a car accident where the other party is injured and you are found responsible. After your Auto insurance is maxed out, an Umbrella policy covers the rest up to the policy limits.
  • You are sued for slander or libel or other types of lawsuits not covered by your Homeowners or Auto insurance. Think about it, in today’s social media environment, your risk of being sued for defamation or other personal injury is increasing. An Umbrella policy would cover any legal costs and any settlement. Even if you win the suit, out-of-pocket legal costs can mount quickly.

How Personal Umbrella Insurance Works

Umbrella insurance operates in concert with the basic Liability coverages under your primary, underlying policies such as your Homeowners, Renters, Condo, Auto and Boat insurance. It provides more protection for risks of bodily injury and property damage, along with coverage for other risks that your standard policies may not insure. You basically get an extra layer of insurance coverage over your standard Liability policies. If, for example, there is a $100,000 liability limit on your Auto policy, and you purchase a $1 million Umbrella insurance policy, you would have $1.1 million in Liability coverage.

We look forward to taking the time to go over in more detail the need for Personal Umbrella insurance, particularly in today’s litigious landscape.

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NEEDS TODAY: (855) 800-9495