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Personal Umbrella Insurance

Stay covered during life’s not-so happy surprises.

Lawsuits can be an overwhelming thing–especially since they usually come with high payouts, like car accidents or property insurance claims. An umbrella policy helps you breathe easier knowing you have an extra layer of protection. You can have coverage that pays for liability losses in excess of those covered in your homeowners’ insurance and auto insurance policies. 

Get started with a quick quote and see how we’re making insurance getting as smooth, simple and painless as possible.

Protect what you love from what you don’t love: the unexpected

What if there was a fire that spread to your neighbour’s home?

You could be liable for more than the liability coverage on your home insurance. Umbrella insurance can provide excess limits of liability.

What if you got in a car accident while driving with a friend?

That’s never an easy situation, and sometimes, auto policy liability won’t cover the lawsuit. In severe auto claim situations, umbrella insurance can provide excess coverage.

What if an incident at your vacation property damaged someone else’s property?

To protect multiple homes and vehicles you own, you can include an umbrella insurance policy as an extra layer of protection.

Hot Tip:

Umbrella policies can cover a lot. Like a lot, a lot. They can provide excess liability coverage over and above the limits on your underlying auto, home, watercraft, cottage, motorcycle or other policies. It can sometimes be more cost effective to get an umbrella insurance policy than increase your primary liability limits individually. Our insurance Specialists are close by and ready help.


Is umbrella insurance mandatory?
No. It’s an optional layer of protection over and above your home and auto insurance policies. These policies have primary liability limits – which is the max amount your policy would cover if you were found liable for an injury or damage caused. Even though these policies include liability coverage, it sometimes isn’t enough for large lawsuits. Umbrella insurance provides additional protection limits.
Why do I need umbrella insurance?
It can be an excellent investment to protect yourself from any unwanted surprises. Your auto and home insurance policies have liability coverage, but some lawsuits could cost more than these limits would cover and you’d have to cover the rest out of your pocket. Umbrella insurance can also be useful for things, like operating higher risk vehicles (e.g. motorcycle or boat) or having special features on your property like a pool or a pond.
What is the benefit of working with an insurance broker?
Like we said, shopping for insurance is not fun. So think of us as your insurance partner. We’ll do everything we can to make getting the right coverage as smooth, simple and painless as possible. We know every insurance situation is unique, so we know the important questions and will learn about you to make sure your policy gives you the protection you need.

We’ll also cut through the industry jargon to make sure you understand your policy, and help you navigate optional coverages to recommend additional options you may want or need. 

With personal umbrella insurance especially, there are a lot of options, and it can be overwhelming to research. An insurance broker will help you build the right policy for your situation. As your needs change, your broker will also help you update your policy, so you stay covered.

An insurance broker is also aware of discounts offered by insurance companies and can recommend combining products to save you time and money. In fact, some insurance companies and their products are only available through an insurance broker. Bottom line? We can save you money too.

What do I do if I have to file a claim?

If you need to file a claim, it’s okay, don’t worry, we’ll do it with you. We know accidents and claims happen, we’ve seen and heard it all. As your insurance partner and advocate, we will help you through it. Call us at +1 (833) 745-0299 and we’ll be here to help you navigate the situation, 24/7.

We love our clients.
Turns out, they love us too.

We have peace of mind knowing we’re adequately protected.
Stephen C.
Best service I’ve ever had from any insurance broker!!
Chris S.
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