Seraph Risk Advisors
Northern UT
A single lawsuit or serious accident can exceed the liability limits on your home, auto, or business policy faster than most people expect. Umbrella insurance adds an extra layer of protection above those limits, hEPLIng safeguard your savings, your home equity, and your future earnings. Seraph Risk Advisors helps clients nationwide add this coverage to their existing policies.
Umbrella coverage sits on top of your underlying auto, home, or business liability policy. If a claim exceeds what that policy pays, your umbrella policy covers the difference, up to its own limit. Most insurers require minimum underlying liability limits before issuing a policy, and coverage typically starts at $1 million.
Personal umbrella insurance extends the liability limits on your auto insurance and home insurance policies, but it generally does not cover claims tied to business activities. Business owners need a separate commercial umbrella policy layered on top of commercial insurance to protect against large liability claims tied to daily operations.
Umbrella coverage makes sense for homeowners with a pool, trampoline, or dog, landlords, business owners, and anyone whose assets exceed their current liability limits. It is inexpensive relative to the protection it provides.
Yes. We help clients across the country add umbrella coverage to their existing personal or business policies.
Most clients start at $1 million and increase from there based on their assets, income, and overall risk exposure.
Generally not. Business activities typically require a separate commercial umbrella policy layered above your business liability coverage.
No. Many policyholders pay a few hundred dollars a year for $1 million or more in added liability protection.
Compare your current liability limits with our online insurance quotes tool, or contact us to discuss adding an umbrella policy, wherever you live.
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