Umbrella Insurance.
Standard home and auto policies have limits. An umbrella policy provides an extra layer of liability protection that kicks in when those limits are exceeded — often for less than you’d expect.
Extra Protection When It Matters Most.
Umbrella insurance is one of the most cost-effective ways to protect your assets and future earnings. For a relatively small annual premium, you get significant additional liability coverage — the kind that matters in a serious accident or lawsuit.
Excess Liability Coverage
If you're found liable for damages that exceed your home or auto policy limits — from a serious car accident, a liability claim on your property, or other covered events — umbrella coverage pays the difference. Without it, your personal assets are at risk.
Legal Defense Costs
Even if a claim against you is ultimately dismissed, legal defense can be expensive. Umbrella policies typically include coverage for legal fees, protecting you from the cost of defending yourself.
Broader Coverage Scenarios
Umbrella policies often cover situations your standard policies don't — including certain libel, slander, and personal liability claims. We'll walk you through exactly what your policy covers and where the value is.
Why work with Bickerstaff for Umbrella Insurance
We recommend umbrella coverage to most of our clients — especially homeowners, families with teenage drivers, and small business owners. The protection-to-premium ratio is hard to beat
Ready for a clearer view of your insurance?
Whether you’re reviewing existing coverage or exploring new options, we’re here to help you make informed decisions.