Welcome to Umbrella Excess.

If you engage in a high-risk activity or hobby that increases your odds of getting sued — such as having a teenage driver, owning a swimming pool, or frequently entertaining — then you have every reason to consider carrying an umbrella policy. If you are found legally responsible for injuring someone or damaging property, and you don’t possess a personal umbrella liability insurance policy, anything beyond the limits of your standard liability insurance coverage will come out of your own pocket.

Standard liability insurance generally includes homeowners, renters, auto and watercraft policies. A personal umbrella liability policy provides an extra layer of insurance coverage over your standard liability policies. Durham & Bates evaluates your risk profile, and helps determine the amount of umbrella coverage that fits your needs. Coverages start at $1 million, and can go as high as $10 million.

Some questions we ask include:

• Do you operate a business in your home?
• Do you host employees and clients at your home regularly?
• Does your profession or location of your home make you an easy target for a big settlement?

Cover yourself beyond the basics with Durham & Bates.