We offer a wide array of standalone and same carrier umbrella insurance policies.
Umbrella Insurance is extra liability insurance that sits over other liability insurance policies such as home, auto, motorcycles, boats, etc. Umbrella Insurance increases your overall coverage and may broaden your liability coverage to include: libel, slander, wrongful eviction, false arrest, and other personal liability situations.
You may purchase Personal Umbrella Insurance through two main methods:
Standalone and Same Carrier
What is a standalone personal umbrella insurance policy?
A standalone (stand-alone) umbrella insurance policy is one in which the underlying auto company and the umbrella company are not the same. This may be desirable for a full variety of reasons. Since we broker most insurance policies we have an extremely wide selection of options and carriers to choose from, they include: American Alternative Insurance Corporation (AAIC), United States Liability Insurance (USLI), RLI Insurance Company, and Hudson Insurance. Often this is the best option if either your auto insurance company does not write Umbrella Insurance or you have a profile that they will not accept. Another common reason to go with a stand-alone umbrella is if you wish to have Uninsured Motorist/ Underinsured Motorist Bodily Damage added to the umbrella liability policy as some carriers will not currently do this.
What is a same carrier personal umbrella insurance policy?
A same carrier umbrella policy is when the insurer that writes your automobile policy also writes your umbrella insurance policy. Sometimes the auto and umbrella carrier may also carry your home insurance. We offer dozens of options of insurance carriers that will write both your auto and umbrella together. This may allow you to save money with a discount.
It pays to shop
You should shop for your Umbrella Insurance like all other policies, there is a wide variety of pricing and coverages forms. Umbrella Insurance may occasionally be referred to Excess Liability, which is not exactly the same. Get quotes from at least two or three carriers.
Business Umbrella Insurance
Marindependent Offers umbrella services for your business as well. A business umbrella is also extra liability insurance that sits over business insurance. Business umbrellas are much more varied and dependent on the industry that you are in.
It is important to note that personal umbrellas do not cover business exposures and business umbrellas do not cover personal exposure. A semi wealthy entrepreneur should probably have in their possession both a personal umbrella AND a business umbrella to protect them from both distinct types of liability claims.
Also all umbrella policies require evidence of meeting underlying insurance requirements. These underlying policies will include your Auto and Home and possibly any other liability policies that you may have or need.
Contact us today to learn more.
Call us today for flood quotes from both FEMA backed providers and Non Admitted Private Insurance Carriers. We offer Flood Insurance Quotes for Free, flood insurance prices are determined by individual insurance carriers based on certain underwriting criteria.
Marindependent Insurance Services LLC 0K10734 -24 Bridgegate Drive San Rafael CA 94903 – Phone Number: 415-294-5454
Insurance in Marin – Marindependent Insurance Services LLC -0K10734- Broker Agent
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