It is often called an "umbrella insurance" because it is carried over all other liability insurance and is used for a catastrophic loss when primary liability insurance is exhausted. This policy adds extra coverage to your personal liability and automobile liability policies. Coverage is provided for you, your spouse and any relatives living in your household and insured by your primary policies.
This policy is designed to cover catastrophic situations where a legal award could exceed the limits of your primary liability insurance. This policy also includes coverage if you are sued for false imprisonment, wrongful eviction, libel, slander, defamation of character or invasion of privacy.
There are many factors to consider when calculating a premium: the state in which you live, the number of liability exposure you have (cars, drivers, boats) etc. Usually the best rates occur when the customer insures both auto and home with the same company as the umbrella. This is a requirement for many insurers offering umbrella coverage.
We are trained and certified to provide you with estimates and help you decide your coverage limits. No one person's insurance needs are the same as another and all coverage is best when it is fine tuned for the customer.
The best way to report a claim would be to contact us directly by phone at (270) 753-3500 or by email at [email protected]