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Shults Insurance Agency

3 Canal St
Fort Plain, NY 13339

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Umbrella Insurance in New York

Umbrella insurance is exactly what it sounds like.  It is a type of coverage that can add extra protection to a variety of other policies that you may already have in place. It's a good way to add protection in areas that may not be covered in your other policies.

Personal Umbrella Insurance

Imagine your dog bites your neighbor, or there is an incident on your rental property.  There's a chance your current liability limits wouldn't be adequate to protect your assets.  If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.

Commercial Umbrella Insurance

If umbrella policies are good for individuals, then they are imperative for businesses. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not.  The rising costs of lawsuits and judgments are important for today's business owners to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event.

If you are interested in learning more about an umbrella policy, our agents are available to guide you in the right direction.


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