Umbrella Insurance Policy Benefits

  • Liability coverage for bodily injury, property damage, advertising and personal injury claims.
  • An installment payments option.
  • No exclusion for fellow-employee suits.
  • Self-insured retention, generally as low as $10,000, for claims covered under the Umbrella Insurance Policy and not covered by an underlying policy.
  • First-dollar defense protection for covered losses when no primary insurance is available.
  • No application of a general aggregate limit to Auto Coverage if the underlying policy also has no limit.
  • Pollution Coverage similar to our primary Auto and General Liability Coverage.
  • Broader coverage than an excess policy.
  • Worldwide coverage.
  • Other operations such as warehousing, income property, repair shop, etc., on a case-by-case basis.
  • Ease of claims handling when all coverage is with the same carrier.

Plus, when you carry Umbrella Insurance Coverage, your shippers will have an assurance that they are dealing with a well-protected carrier while you get financial peace of mind.