Do I need umbrella insurance coverage?

An umbrella insurance policy is an important consideration for everyone. However, it becomes particularly important if you hold a lot of personal property or other assets. An umbrella policy can step in and provide additional liability coverage when you exhaust the policy boundaries of your existing insurance, protecting your holdings. B & G Insurance serves Miami, FL and is ready to discuss your umbrella insurance needs.

Do you carry a lot of insurance policies? 

If you already have a number of insurance policies on your personal property, such as boat insurance, RV insurance, auto insurance, and home insurance, you are a likely candidate for an umbrella policy. This is even more true when you have multiple pieces of property insured on each policy. Each item is an asset, and each policy indicates a certain level of exposure to liability. If an accident occurred at a home, in a car, or while recreating, your umbrella policy can step in.

Do you work in a high-risk profession?

Certain umbrella policies can also provide protection from libel and slander suits and other professional liability hazards. When you work in a high-risk industry, always speak to your insurance agent about an umbrella policy and if it covers work-related hazards.

Do you have substantial savings or investments? 

If the answer is yes, you need an umbrella policy to protect your holdings in the event of a lawsuit. Even if you opt for high coverage on existing auto or home policies, an accident involving multiple people can quickly max out your coverage. The umbrella policy steps in at this point to provide additional coverage if you are sued for damages or face additional medical bills and fees.

To discuss your particular situation with an insurance agent, contact B & G Insurance serving Miami, FL. We are prepared to answer all of your coverage questions and provide quotes. Call today or visit our website to find out more.

Your Just In Case Insurance

Wouldn’t it be nice if we could be prepared for the unexpected? Wouldn’t it be great to have a defense against the unknown and unforeseen? Well, that is the idea of umbrella insurance because we can’t predict the future but we can be prepared for it. No matter what that means.

Your Just In Case Insurance

The best thing about an umbrella insurance policy is that it really can protect us from what we don’t see coming. Somebody can always mock us for getting a safety net until that accident shakes our world. Until we get that notice that we are being sued for loss of wages from the other driver. Then, we aren’t the ones being mocked, and we become those people who were smart enough to use foresight and prepare for what we couldn’t see. B & G Insurance is here to offer that safety net, just in case, for our customers and friends in Miami, FL.

An Added Layer of Protection

Umbrella insurance is that extra layer of protection for your vehicle or home. Although it won’t cover your injuries or protect your property, umbrella insurance is designed to protect you from claims of liability made by other injured parties beyond your standard coverage plan and limits. At B & G Insurance, we know that accidents aren’t predictable and that the aftermath can be even harder to predict. That is why those in and around Miami, FL reach out to us because the unknown is unpredictable.

If you want to learn more about umbrella insurance or if it is something you should consider, contact us to talk to one of our professional and experienced agents today. Why umbrella insurance? Because you never know when it is going to rain.