Umbrella Insurance

Extra protection when you need it most. Umbrella insurance extends beyond standard policies, providing additional liability coverage to safeguard your finances against costly claims and lawsuits.

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More coverage. More peace of mind.

Protect yourself from life’s unexpected risks.

Even the best insurance policies have limits. Umbrella insurance provides extra liability protection beyond your home, auto, or business coverage—helping shield you from major financial losses due to accidents, lawsuits, or unexpected claims.

At Stephen Benjamin Insurance Agency, we help individuals and businesses secure the right umbrella insurance to fill coverage gaps and safeguard their assets. If you want higher protection at an affordable rate, we’ll find a policy that fits your needs.

Why umbrella insurance is a smart investment.

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Higher Liability Limits

Extends beyond standard home, auto, or business policies to cover large claims.

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Legal & Settlement Costs 

Protects against lawsuits, court fees, and damages from covered incidents.

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Personal Protection

Covers personal liability risks, rental properties lawsuits.

Get answers to your umbrella insurance questions.

Umbrella insurance is an extra layer of financial protection. Here’s what you need to know before getting a policy.

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  • What does umbrella insurance cover?

    Umbrella insurance provides extra liability protection beyond your home, auto, or business insurance. It covers legal fees, medical expenses, and damages if you’re sued for personal injury, property damage, or other liabilities. It’s especially useful if your assets exceed your standard policy’s limits.

  • Who needs umbrella insurance?

    Anyone with significant assets, rental properties, or high-liability risks can benefit from umbrella insurance. If you want added financial security against lawsuits, accidents, or liability claims, an umbrella policy provides extra peace of mind for both individuals and businesses.

  • How much umbrella insurance should I have?

    A common recommendation is at least $1 million in coverage, but your needs depend on your assets, income, and risks. If you have rental properties, own a business, or engage in activities with liability exposure (like hosting events), higher coverage may be advisable.

  • Does umbrella insurance cover business liability?

    Standard personal umbrella insurance does not cover business activities, but commercial umbrella insurance provides additional protection for business owners. If you need higher liability limits for your company, we can help you explore commercial coverage tailored to your risks.

  • How much does umbrella insurance cost?

    Umbrella insurance is surprisingly affordable, with most policies starting at $150 to $300 per year for $1 million in coverage. Rates vary based on risk factors and coverage amounts, but considering the protection it provides, it’s one of the best-value policies available.