Protection That Scales with Your Success.
You've built a life worth protecting. Upgrade to the liability shield your assets deserve.
Get Your Umbrella Insurance Quote
What Does Umbrella Insurance Cover?
Extra liability protection beyond your home and auto policies
Excess Liability Coverage
Provides additional liability coverage above your home, auto, and boat policy limits
Legal Defense Costs
Covers attorney fees, court costs, and legal expenses from covered liability claims
Broader Protection
May cover claims not included in underlying policies like libel, slander, and false arrest
Most Common Umbrella Insurance Claims
- Serious Auto Accidents: Multi-vehicle collisions with injuries exceeding auto policy limits
- Severe Injuries on Property: Guest injuries from falls, pool accidents, or dog bites with major medical bills
- Property Damage to Others: Accidentally causing significant damage to neighbor's property or belongings
- Libel and Slander: Defamation lawsuits from social media posts or public statements
- Rental Property Liability: Tenant or visitor injuries at rental properties you own
Who Needs Umbrella Insurance?
High Net Worth Individuals
If you have significant assets, savings, or future income to protect, umbrella insurance shields your wealth from lawsuits that could exceed your standard policy limits.
Property Owners
Homeowners, landlords, and vacation property owners face increased liability exposure from visitors, tenants, and guests on their properties.
Active Families
Families with teenage drivers, pools, trampolines, or dogs have higher liability risks that umbrella coverage can protect against.
Business Owners
Entrepreneurs and professionals with public visibility or social media presence benefit from protection against defamation and personal liability claims.
Ready to Protect Your Assets?
Contact Atesa Risk Advisors today for a personalized umbrella insurance quote
Key Umbrella Insurance Coverage Features
Extra liability protection beyond your other policies
Extended Liability Limits
Adds $1-5 million in additional coverage above your home and auto policies
Broader Coverage
Covers claims that may be excluded from your underlying policies
Legal Defense Costs
Pays attorney fees and court costs even if claims exceed your underlying limits
Worldwide Protection
Covers liability claims anywhere in the world, not just in the United States
Asset Protection
Protects your savings, investments, and future earnings from lawsuits
Affordable Premium
Typically costs $500-1,000 annually for $1-2 million in additional protection
Insurance Guidance Tailored to You
Your needs come first. There is no one size fits all solution for your business or coverage. We tailor insurance to your needs, not someone else's goal.
Captive Agents
Online or Direct
Who Needs Umbrella Insurance?
Extra liability protection for individuals and families with significant assets to protect
Homeowners with High-Value Properties
Protect luxury homes and estates that exceed standard homeowners policy limits
Investment Property Owners
Additional liability coverage for rental properties and real estate investments
Owners of Multiple or Luxury Vehicles
Enhanced protection for high-value auto collections and multiple vehicles
High Net Worth Individuals
Comprehensive asset protection for individuals with substantial wealth
Recreational Vehicle Owners
Extra liability coverage for boats, RVs, ATVs, and other recreational vehicles
Business Owners & Professionals
Personal liability protection beyond business insurance coverage
Protect what you've worked hard to build with comprehensive umbrella coverage.
Real Asset Protection for Real People
See how umbrella insurance protected high net worth individuals from financial devastation when the unexpected happened.
Real Estate Investor
Protected $2.1 million in personal assets from tenant lawsuit
The Challenge
A successful real estate investor with a portfolio of 12 rental properties was sued for $3.5 million after a tenant suffered serious injuries from a fall on a rental property staircase. The tenant's attorney claimed negligent maintenance and demanded damages exceeding the investor's underlying liability limits. With personal assets including a $1.2M primary residence, $600K investment portfolio, and $300K in business equity, the investor faced potential financial ruin if the underlying policy limits were exhausted.
The Atesa Solution
Fortunately, the investor had secured a $5 million umbrella policy through Atesa two years prior. When the underlying landlord liability policy limit of $1 million was exhausted, the umbrella coverage kicked in:
- $5 million umbrella coverage activated after underlying limits exhausted
- Experienced premises liability defense attorney assigned
- Expert witnesses secured to evaluate property maintenance standards
- Full defense costs covered in addition to policy limits
- Personal assets shielded from creditor claims during litigation
The Impact
The case settled for $1.8 million—$1 million paid by the underlying landlord policy and $800,000 paid by the umbrella policy. Defense costs of $125,000 were covered separately. Without the umbrella coverage, the investor would have been personally liable for $800,000 plus defense costs, potentially forcing liquidation of rental properties and investment accounts. The $850/year umbrella premium saved $925,000 in personal asset exposure. The investor continues to build their real estate portfolio with confidence, knowing their personal wealth is protected.
High Net Worth Family
Avoided personal bankruptcy after $4.2M auto accident judgment
The Challenge
A teenage driver in a high net worth family caused a serious multi-vehicle accident, resulting in permanent injuries to three people. The family faced a $4.2 million judgment after a jury trial found the teen driver at fault. Their auto policy provided only $500,000 in liability coverage—leaving a $3.7 million shortfall. With assets including a $2.8M waterfront home, $1.5M investment portfolio, and $400K in retirement accounts, the family faced potential bankruptcy and forced sale of their home to satisfy the judgment.
The Atesa Solution
The family had wisely secured a $5 million umbrella policy through Atesa, recognizing their asset exposure. When the auto policy limits were exhausted, the umbrella coverage provided:
- $5 million excess liability coverage over underlying auto policy
- Coverage for all family members and household drivers
- Worldwide coverage for incidents occurring anywhere
- Defense costs paid in addition to policy limits
- Personal asset protection from judgment creditors
The Impact
The umbrella policy paid $3.7 million to satisfy the judgment after the auto policy paid its $500,000 limit. Defense costs of $180,000 were covered separately. The family's home, investments, and retirement accounts were completely protected. Without the umbrella coverage, they would have been forced to sell their waterfront home, liquidate investments, and potentially declare bankruptcy. The $1,200/year umbrella premium saved the family from losing $4.7 million in personal wealth. They continue to live in their home and maintain their lifestyle, grateful for the foresight to secure adequate coverage.
Business Owner & Entrepreneur
Shielded $3.5M in personal assets from business liability claim
The Challenge
A successful business owner faced a $2.8 million personal liability claim after a business associate alleged fraud and breach of fiduciary duty in a failed joint venture. The plaintiff's attorney attempted to "pierce the corporate veil" and hold the business owner personally liable, claiming the business was undercapitalized and operated as an alter ego. With personal assets including a $1.8M home, $1.2M in investment accounts, and $500K in business equity, the owner faced potential loss of everything built over 20 years if the veil-piercing claim succeeded.
The Atesa Solution
The business owner had secured a $3 million personal umbrella policy through Atesa, specifically designed to protect against personal liability claims that might arise from business activities. The policy provided:
- $3 million personal liability coverage for claims against the individual
- Coverage for personal liability arising from business activities
- Experienced business litigation defense attorney assigned
- Expert witnesses to defend corporate veil and business structure
- Defense costs covered separate from policy limits
The Impact
Our defense team successfully defended the corporate structure and demonstrated that the business was properly capitalized and operated. The veil-piercing claim was dismissed, and the underlying business dispute settled for $400,000 paid by the business liability policy. Defense costs of $95,000 were fully covered by the umbrella policy. The business owner's personal assets were completely protected, avoiding potential loss of $3.5 million in personal wealth. The $950/year umbrella premium proved to be one of the best investments in protecting accumulated wealth.
Don't wait for a lawsuit to discover your assets are at risk.
Get Your Free LionRater™ Estimate
Get a realistic auto or home insurance estimate in under 2 minutes. Powered by LionRater™.
Umbrella Insurance FAQs
Get answers to common questions about this coverage
Trusted by Our Clients
See what our clients have to say about their experience with Atesa Risk Advisors