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General Liability Insurance

General Liability insurance

Looking for General Liability Insurance in Miami?

Are you a business owner in Miami looking for General Liability Insurance? Our agency has you covered. It only takes one claim to financially cripple your business, so it’s important that you have adequate coverage from a highly rated carrier.

At it’s core, General Liability Insurance (a.k.a. CGL for Commercial General Liability) is the most basic form of commercial liability coverage. If you own a business, having General Liability coverage is not optional — it’s mandatory.

At EnsureUp, we represent a wide range of General Liability Insurance companies in Florida and can help pair your business type with the best possible provider and pricing.

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General Liability Insurance

What does General Liability Insurance Cover?

Business is inherently risky, but General Liability insurance protects against many known and unknown risks.

Simply put, CGL guards you, your business and your employees from claims involving bodily injury or property damage born out of your business operations. These policies cover the expense of out-of-court settlements, litigation and judgments awarded by courts. Often times CGL is paired with BPP (Business Personal Property) coverage in a BOP (Business Owners Policy).

Here are a few things you can expect General Liability Insurance to cover:

  • Lawsuits, investigations, and settlements
  • Injury damages
  • Advertising/Copyright claims

What’s involved with getting CGL Insurance?

With any type of insurance there are certain underwriting and eligibility questions that must be answered in order for the insurance company to determine what the final rating will be.

Our agency will guide you through the process and make it easy. Many times companies will require you to show them a certificate of insurance before you can do work for them.

This proves to them that you have active insurance coverage, which is typically a requirement if you’re running a business in most states.

If you’re confused by any of this don’t worry, we’ll make the process easy. Give us a call and we can help you get the process started when you’re ready.

CGL Insurance

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    Commercial Auto Insurance

    Commercial Auto insurance

    We’re the Commercial Auto Insurance specialists in Miami

    As a business owner, you may have one or more vehicles, such as delivery vehicles, taxis, limos or buses. The right commercial auto insurance covers you for accidents, injuries and other incidents that can put those investments at risk.

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    Commercial Auto Insurance
    Commercial Auto coverage

    What Commercial Auto coverage do you need, and how much?

    What are the risks to you, your drivers, and your business that commercial auto insurance can cover?

    Driver Distraction and Commercial Automobile Operation
    The Department of Transportation investigated the impact of distraction in commercial motor vehicle (CMV) crashes and safety-critical events in 2009. They found the following:

    • Drivers were involved in non-driving tasks in 71% of CMV crashes
    • Distracted driving caused 46% of near-crashes and 50% of safety-critical events

    Types of Vehicles Commercial Auto Insurance Covers

    Commercial automobile insurance is a broad term that refers to most commercial business automobiles, including but not limited to:

    • Company cars
    • Cargo Vans
    • Limos
    • Taxis
    • Buses
    • SUVs
    • Pickup trucks

    Commercial auto policies cover personal cars that are used for business, as well as SUVs, light-duty trucks, buses, limousines, taxicabs, vans and other delivery vehicles used solely for business purposes.

    The use of these automobiles is associated with a range of risk factors, including how you use them, how often, and how many miles they travel each year, among other factors. Insurance companies review these risk factors along with any efforts your company may make to improve driver safety when they assess the amount of coverage your business needs.

    If you are looking for coverage information on large trucks and heavy equipment used for business purposes, refer to the commercial truck insurance section.

    We’re the Commercial Auto Insurance specialists in Miami

    Commercial auto insurance is similar to personal auto insurance in basic coverage, such as liability, comprehensive, collision and other types of coverage that are specific to business vehicle use. A commercial auto policy is designed to protect your business from significant losses that could affect your company’s financial well being.

    Commercial auto insurance policies combine several different types of coverage – some are required and some are optional.

    Personal car insurance

    A typical policy includes some combination of the following:

    Bodily injury liability

    This portion of the commercial auto policy covers harm to others in an accident caused by you or your employee. Bodily injury coverage will provide compensation for medical costs, funeral costs if necessary, and the costs associated with a lawsuit. The amount of compensation your company receives depends upon the limit set on your bodily injury liability coverage, as well as your deductible.

    Property damage liability

    This coverage will pay the costs to repair property damage caused by you or your employee. The amount of coverage you receive is based on the limits you set and your deductibles. It is a good idea to work closely with an independent agent to assess your risks as well as the potential costs of injury, property damage and legal fees. For the best protection, consider buying a commercial umbrella liability policy.

    Collision

    As with your personal auto policy, a good commercial auto policy should include adequate collision coverage to pay for the damage to your vehicles in the event you or your employees cause an accident.

    Comprehensive

    Known also as “other than collision,” your comprehensive coverage is an important protection for damage to your vehicle or loss due to causes other than collision. These causes can include weather, theft, and vandalism.

    Uninsured and underinsured motorists

    If one of your drivers is in an accident caused by another motorist who does not have adequate insurance, this coverage will help to pay for damages and injuries to your vehicle and your driver, up to the limits set on your policy.

    Medical payments

    This coverage pays for medical and/or funeral expenses for you, your drivers and passengers after an accident.

    You might also buy coverage for a rental replacement auto if your company car is in the shop. You could opt to get towing and roadside assistance. Some insurance companies even provide very specific coverage for companies who load and unload cargo, due to the increased liability risk involved.

    The right commercial insurance can protect you, your business, and all of the drivers in your commercial cars, vans, pickup trucks or limos in an accident. One of the most critical ways to protect your company is by having adequate liability coverage in case you or one of your employees causes an accident that injures another person or damages their property.

    Commercial Auto Insurance Cover

    Does Commercial Auto Insurance Cover Personal Use?

    Small business owners and entrepreneurs often use their own cars while on the job without a second thought. However, it is important to know that your personal insurance may not cover commercial use of your auto.

    It’s very common for a small business owner to send an employee out on an errand, whether to get supplies from the local store or to give a business consultant a ride from the airport.

    If the staff member gets behind the wheel of his own car, and the business owner does not have a commercial auto insurance policy in place that covers that worker and his car, any injuries or damage that result from an accident may not be covered.

    Regardless of how much or how little you and your employees use personal vehicles in the course of doing business, getting adequate coverage in place can prevent a financially damaging event from putting your business at risk.

    An independent agent like EnsureUp, can provide all of your commercial coverage through one office. We can sit down with you, get to know your business, and learn how you and your employees use your business automobiles.

    We’ll ask a variety of questions designed to not only get you an accurate quote but also find discounts that may be available to you.

    You may be asked questions such as:

    • How many commercial automobiles do you have?
    • How are those vehicles used? For example, do they transport people, goods, hazardous materials, or food?
    • How many miles does each vehicle typically travel in a year?
    • How many drivers do you have?
    • What are their ages and level of experience?
    • Have your drivers taken a safe driving course?

    If you’re in the market for commercial auto insurance in Miami, or if you have coverage already but aren’t sure it’s comprehensive or competitively priced, we’ll give you an open and honest assessment of your coverage to determine whether or not you can do better.

    Automobiles Insurance

    How to get started with your Commercial Auto Quote:

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      Workers Compensation Insurance

      Workers Compensation insurance

      Looking for Workers Compensation insurance in Florida?

      When your employees are taken care of, your business is taken care of.

      A key part of running your business is keeping employees safe at work. However, if one of your employees does suffer an injury, Workers Compensation coverage provides you and your employees with important protection.

      You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow. Even in the most ideal circumstances, the reality is that accidents and illness still happen.

      A slip and fall at a restaurant resulting in broken bones, an equipment malfunction at a construction site causing eye injury—it could be any number of things.

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      Workers Compensation insurance
      work insurance

      Am I required to have Workers Compensation Insurance?

      Workers Compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.

      In most states, work comp insurance is required.

      How Much Is Workers Compensation Insurance in Florida?

      Because coverage requirements vary by state, the cost of Workers Compensation depends on where your business operates. Other factors that affect your rates include…

      • The number of employees you have.
      • The type of work your employees do.
      • Your claims history.
      • Your industry.

      Like all insurance, Work Comp is priced based on risk.

      Riskier industries and jobs are more expensive to insure than less risky ones. To make sure prices are as fair as possible, they’re determined by classification codes.

      Each type of work or industry has a unique code that classifies the industry and risk, and helps the insurance carrier determine a suitable rate.

      One way to save money on your Workers Comp policy is to make sure you’ve classified every employee correctly. The secretary for a construction firm, for example, will have lower rates than the bricklayers.

      Workers Comp policy

      At EnsureUp, we understand the importance of keeping your employees safe and sound. After all, they are the foundation of your business.

      Call our office today and we’ll discuss your needs and options. You can also head over to our quotes page and get started that way too.

      How to get started with your homeowners quote:

      To get started on your quote.
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      insurance industry









        Business Property Insurance

        Business Property Insurance

        Is your Business Personal Property insurance adequate?

        Are you a business owner in Miami?

        Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. “Property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.

        Under the liability policy coverage, the building should be protected from damaging events such as fire, burglary and vandalism.

        It may not be enough to cover just the building; the aftermath of such damage should be covered as well.

        EnsureUp will help you find the best coverage possible for your business!

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          Business Insurance

          Business insurance

          Do you need a better Business Insurance Package?

          Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients in Miami area and throughout the state of Florida.

          At EnsureUp, we can design a specialized package according to your property, liability, and casualty needs.

          We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.

          Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. So give us a call today or fill out one of our free online quote forms.

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          Business Insurance Package
          Commercial Package policy

          Commercial Package policy vs. Business Owners Policy (BOP)

          Think of a Commercial Package Policy as a stereo system where you buy each component individually. So you would buy the receiver, speakers, remote, and every other part and accessory separate from each other.

          In contrast, a BOP policy is much like a stereo-in-a-box. All of the pieces you need come pre-packaged.

          Business Insurance products we help with

          • Business Owners Packages (BOP)
          • Commercial Auto
          • Business Personal Property
          • Business Umbrella Policies
          • Church Insurance
          • Restaurants
          • Errors and Omissions
          • Equipment Floater
          • Risk Management
          • General Liability
          • Contractors
          • Retail Stores
          • Plumbers
          • Professional Offices
          • Property Managers & Owners
          • Electricians
          • Workers Compensation
          • Commercial Building Property
          • Apartment Owners
          • Self Storage
          • Condominium Owners
          • Store & Lock Centers
          • Retail Stores
          • EPLI – Employment Practices Liability Insurance
          • Professional Liability Insurance
          • Directors & Officers
          • Landscapers
          • Cyber Liability
          • Pollution Liability
          • Painters
          • Liquor Liability
          • Medical Professional
          • Service & Repair Insurance
          • General Repair Shops
          • Garage Keepers
          • Auto Body Shops
          • Crime
          • Inland Marine
          • Builders Risk

          How to get started with your Business Insurance quote:

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          BOP policy









            Contractors Insurance

            Contractors insurance

            Looking for Contractors Insurance in Miami?

            EnsureUp is your local Contractors Insurance expert! We insure many different types of contractors from Landscapers, Electricians, Carpenters, and many more!

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            Contractors Insurance Expert
            independent contractors

            Who Needs Contractors Insurance?

            There are many types of independent contractors who all need independent contractors liability insurance and other coverage to match their specific risks. Some of the professionals that need contractors insurance include:

            • Independent construction contractors
            • Plumbers, carpenters, electricians and painters
            • Repair people
            • House and carpet cleaners
            • Freelance writers, editors and graphic designers
            • Independent hair stylists, and salon professionals
            • Horse or dog trainers

            Don’t underestimate your risk

            Getting the right independent contractors liability insurance in place can  protect you from lawsuits, mishaps and third party property damage that can devastate your business.

            Normally, you will need a few different categories of coverage for complete liability protection:

            • General liability: The foundation of all contractor insurance coverage is a general liability policy. This coverage will provide two types of protection:
              • Bodily injury: Provides coverage if you or someone you employ causes injury or death to a third party during the course of work. It provides for medical care for the injured person and covers your legal defense if you are sued for damages.
              • Property damage: Provides coverage if you or one of your employees causes damage to property belonging to others. This includes the building or property you are working on or any third-party property.
            Contractors Insurance Expert

            Completed operations/product

            Provides coverage in case a project you finished has an issue or causes damage. It can also extend to any products you sell or distribute.

            Advertising personal injury

            Covers the risk of damaging another’s reputation or causing a loss through slander, libel or false advertising claims.

            Contract liability

            This covers you in a contract dispute. It is not always included in general liability coverage so verify that you carry this coverage with your insurer.

            The specific independent contractors liability insurance coverage you need will be unique to your business. By working with a knowledgeable agent, you can ensure that you don’t have critical gaps in coverage that could leave you exposed to expensive legal claims.

            Business Owners policy

            Do you need a Business Owners policy?

            The contractors general liability coverages can often be bundled with a few other coverages to create a business owners policy, or BOP.

            This serves two purposes. It expands the policy to cover risks that small business owners face, and also typically results in a discount on the cost of your insurance.

            Normally, this coverage will make sense for you if you have employees. A small business is basically defined as a business that has up to 100 employees and generates about $5 million or less in annual revenues.

            Some of the additional coverages that can typically be bundled with a BOP include:

            Property damage

            This insurance covers your owned or rented property if it is damaged. This includes office buildings, storage facilities, warehouses, workshops, or garages. It does not cover commercial vehicles.

            Business income

            This protects you from loss of income if your business is interrupted due to a covered loss. It usually covers income and operating expenses for up to 12 months.

            Commercial auto

            Insures your cars, trucks, vans, specialized trucks or any vehicles used for business purposes.

            Do You Need Workers Compensation Insurance?

            As an independent contractor, you may or may not need to have workers compensation insurance. Workers Compensation regulations are mandated state by state. If you are in business for yourself, and you do not have employees, you are most likely not required to buy workers comp. However, in some states you need to purchase workers comp even if you don’t employ others.

            If you are a contractor who employs other workers, your state will most likely require you to carry this insurance. This policy protects workers from job-related illness, injury or death. It will also reimburse workers for lost wages if they cannot go back to work. The benefit to you, as the employer, is that this coverage can help to prevent losses from employee lawsuits.

            claims settlement

            Should You Consider Professional Liability Coverage?

            When you are looking for the right contractors insurance for your business, you will have many choices, including whether to buy professional liability insurance, also known as “errors and omission” insurance or “E & O.”

            E & O is a liability policy that protects you if you make a mistake that causes a financial loss to a client. Similar to general liability, it will provide legal defense and claims settlements, if necessary.

            You may want or need this coverage under the following circumstances:

            • You provide professional advice in your line of work. This can include everything from recommending a particular type of plumbing or wiring to providing interior design services.
            • You hire employees or subcontractors who provide any sort of advice or consulting services.
            • Your state requires you to have E & O insurance due to the work you perform.

            If you utilize subcontractors, it is a good idea to make certain they are insured with professional liability as well, as they may not be covered by your policy.

            How to get started with your homeowners quote:

            To get started on your quote.
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            Liability Coverage









              Condo Insurance

              Condo insurance

              Looking for Condo Insurance in Miami?

              EnsureUp has you covered!

              Condo insurance (also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Your association typically insures the physical structure/building and other common areas.

              Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in. Things like your floors, walls, cabinets and fixtures that your association’s insurance likely doesn’t cover.

              Getting a copy of those by-laws is a good idea so you can understand what your responsibilities are in the event of a claim. We can help you understand the fine print.

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              Condo Insurance
              town-homes insurance

              Condo insurance for Town-homes

              It’s also important to understand that some town-homes are insured like condos, and therefore require an H0-6 policy.

              If you live in a town-home, be sure that you have the correct type of insurance.

              EnsureUp is here to help you understand the differences between a homeowners policy and a condo policy.

              How to get started on your quote

              To get started on your quote.

              Contact Here
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              condo policy









                Life Insurance

                Life insurance

                Looking for Life Insurance in Miami?

                Life insurance is not only the cornerstone of a solid financial plan, but it’s hands down one of the most cost-effective ways to protect the people who depend on you financially.

                What would happen to your family if you were to die prematurely? Would they be able to maintain their current lifestyle?

                Would your kids be able to go to college? Would your spouse be able to shoulder the load with one income?

                If you have a child, are married, or you are carrying any kind of debt, purchasing life insurance is a no-brainer.

                If all three, well, hopefully, you already have life insurance. Here are a few other reasons to have life insurance though:

                • charitable donations
                • pay federal death and estate taxes
                • create an inheritance for your heirs
                • pay final expenses
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                Life insurance
                life insurance policy

                We make buying life insurance easy

                At EnsureUp, we make the process of buying life insurance extremely simple.

                We have access to a wide range of life insurance companies so we can survey the marketplace and based on your individual rating criteria, find the best possible life insurance policy at the best price.

                When purchasing life insurance there are a few things to consider. Do you want Term Life Insurance or Whole Life?

                If you don’t understand the difference that’s okay. That’s what we’re here for.

                Life insurance is based on two main variables — your age, and your health.

                How much life insurance do I need?

                A mistake that we often see people make is basing their life insurance coverage on a guess, or just grabbing a number out of thin air without realizing what the impact of inflation could have on their life insurance proceeds.

                One of the benefits of working with an independent agent like us is that we can sit down, and through a comprehensive needs analysis, determine the exact amount of coverage you will need to protect the people who depend on you.

                The amount of coverage you need depends on a number of different variables. Here are a few examples:

                • how many children you have
                • your future earnings potential
                • whether or not you’re married
                • spouses future earnings potential
                • you and your spouse’s age
                • amount of debt you have
                Term Life Insurance

                How to get started on your Life Insurance quote

                To get started on your quote.
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                Health Insurance









                  Automobile Insurance

                  Auto insurance

                  Looking for Auto Insurance in Miami?

                  EnsureUp has got you covered. We can help you with standard auto insurance, as well as car insurance for collector cars.

                  Whether you live in Miami, or any other part of Florida, when most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car.

                  Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful.

                  You’re at risk every single time you get into your car.

                  It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.

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                  car insurance
                  Auto Insurance Coverages

                  Having adequate Car Insurance limits is serious business

                  If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.

                  What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.

                  Because EnsureUp is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.

                  The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.

                  No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.

                  This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.

                  Important Auto Insurance Coverages

                  When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy.
                  Let us clarify a few of the more important ones for you:

                  Collision Coverage

                  This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..

                  Comprehensive Coverage

                  This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.

                  Property Damage

                  Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage

                  Bodily Injury Liability

                  This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.

                  Un-insured & Under-insured Liability

                  This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.

                  Common Auto Insurance Rating Variables

                  Age

                  insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident

                  Driving History

                  your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old

                  Household

                  insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household

                  Credit

                  credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be

                  Car

                  the type of car, engine size, safety features, etc.. are all part of determining the rate

                  How to get started with your car insurance quotes

                  If you live in Miami and are looking for a car insurance comparison, EnsureUp makes the process of finding the best company and price easy.

                  We do all the heavy lifting for you!

                  To get started, complete the fields below to send us some basic information about your needs so we can get started on your policy review and comparison!

                  How to get started with your homeowners quote:

                  To get started on your quote.
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                  Either way we’ll make the process simple!

                  Rental Property









                    Umbrella Insurance

                    Umbrella insurance

                    Umbrella Insurance is critical to your insurance plan

                    If you were found negligent or liable for someone else’s bodily injury or death, would you have enough insurance to protect your assets?

                    Umbrella insurance is a stand-alone liability policy that provides an additional limit of liability over and above your underlying liability limits that are already on your homeowners and auto insurance policies.

                    Life can be unpredictable and as much as we plan for the best, sometimes the worst can happen. This is where umbrella insurance comes into play and provides you with additional coverage that goes above and beyond to protect your assets.

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                    Umbrella Insurance
                    Umbrella policy

                    Umbrella Insurance example scenario

                    To get a better sense of what Umbrella Insurance is and how it would work in a real life situation, it helps to think about it in action.

                    Say you’re held liable for causing a car accident with multiple vehicles, and the cost to cover the damages and injuries is $850,000. However, the liability limits on your Auto policy are only $300,000.

                    In this case, your insurance would pay only $300,000 for the entire accident, and you would be responsible for the remaining $550,000 out of your own pocket!

                    With an Umbrella policy, however, you could extend your liability limits beyond the maximum provided by your underlying policies. In this case, an Umbrella policy would provide liability limits above the $300,000 limit of your Auto policy, up to the limit you choose for your Umbrella policy (typically anywhere from $1 million up to $5 million in coverage).

                    In other words, you wouldn’t be left paying the remaining $550,000.

                    More examples…

                    • your dog bites a neighbors child
                    • fire at your condo spreads to other units
                    • accident at your rental property

                    How much does Umbrella insurance cost?

                    One of the things that makes Umbrella insurance so appealing, and almost a no-brainer in most situations, is that the cost is generally very low.

                    Most insurance carriers offer coverage starting at around $150 per year. The cost of your policy goes up based on the amount of cars and homes you need it to overlay, but in general the cost is pennies on the dollar, and all the risk is on the insurance company.

                    Even if your premium was $300/yr, the insurance company is on the hook for at least $1,000,000. That is a tremendous value, and something that everyone should think about given the litigious nature of our society.

                    Umbrella Insurance Cost

                    It only takes one accident to potentially bankrupt yourself

                    If you don’t have enough coverage, and in a world where medical expenses are sky rocketing, it only make sense to think about purchasing Umbrella insurance.

                    To get started with your quote, call our office, or click over to our quotes page and our team will shop the marketplace to see who offers the best coverage.

                    Keep in mind that most insurance carriers require that you have at least your auto insurance policy with them in order to qualify for their umbrella.

                    Stand alone umbrella policies are available also for special situations.

                    How to get started with your homeowners quote:

                    To get started on your quote.
                    Contact Here
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                    Either way we’ll make the process simple!









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