Personal Umbrella Insurance
PLAN FOR THE FUTURE
Expand your layers of protection
PERSONAL UMBRELLA INSURANCE
Understanding the importance of proper coverage
In today’s highly litigious environment, when the verdict is not in your favor, and with amounts awarded to plaintiffs skyrocketing, it’s not enough to have just an auto and home insurance policy. A personal umbrella policy could help protect you and your family from extraordinary financial loss resulting from an auto or property liability lawsuit. Without it, you’ll be reaching deep into your pockets to cover the additional costs once your other limits have been reached.
PROGRAM STEWARDSHIP
Experience a new level of support
You, your needs, and your assets come first. Our advisors are dedicated to cultivating and maintaining close relationships and continuous communication with our clients. You’ll receive ongoing program stewardship that includes advisory services about emerging trends, marketplace reviews, loss prevention counsel, claims advocacy, and review of coverage options to help you make informed, confident decisions. We stand by your side as your advocates through every stage of our partnership.
ENHANCED COVERAGE
Safeguarding your distinct lifestyle
Personal umbrella policies could provide additional protection to you and your family, such as coverage for:
- Injuries to others caused by your child or pet
- Libel or slander lawsuits
- Auto accidents in a rental car
- Auto accidents where the other party has no insurance or lacks sufficient coverage
- Accidents caused by you or a household member
Personal umbrella insurance does NOT cover:
- Business losses
- Personal items
- Intentional injuries
- Negligent or criminal acts
- Breach of oral or written contracts
Consider a personal umbrella policy if you:
- Host parties or events in your home
- Own a pool, hot tub, or trampoline
- Are a prominent public, political, or community figure
- Manage an estate or trust
- Have a teen driver in your household
- Employ a housekeeper, nanny, gardener, or any other household staff
- Are a non-profit director and officer volunteer
- Own a dog
INSURANCE SELECTION
Matching your needs to top insurers
You wouldn’t trust just anyone to drive your sports car or watch your kids. And we wouldn’t trust just anyone to properly protect you and your assets. We’ll meticulously evaluate each insurance company’s financial stability, breadth of coverage, claims handling, ancillary services, and overall ease of doing business to best match quality insurers with your specific needs. Equipped with coverage terms comparisons, insights into the state of the insurance market, and a cost-benefit analysis, you’ll be poised to make decisions about deductible and coverage levels for your needs.
THE BALDWIN GROUP INSIGHTS
Stay in the know
Our experts monitor global events and the insurance industry to provide meaningful insights and help break down what you need to know, potential impacts, and how you should respond.
Your journey begins here
When you decide to partner with us, you choose to protect your legacy with solutions and professionals as unique as your lifestyle.