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Umbrella Insurance for an Extra Layer of Liability Protection

Some risks can go beyond the limits of your standard insurance policies. Umbrella insurance is designed to provide additional liability protection when a covered claim exceeds the limits of your underlying policies. At Lumenasa, we help individuals and families evaluate whether umbrella coverage makes sense based on their assets, lifestyle, and overall risk exposure.

Why Umbrella Insurance Matters

Liability claims can become expensive quickly, especially when serious injuries, property damage, or legal costs are involved. If a covered claim exceeds the liability limits on your home, auto, or other qualifying policies, you could be left responsible for the difference.

Umbrella insurance helps provide an added layer of protection above those underlying policies. It can be an important part of protecting your income, savings, investments, and other assets from larger liability exposures.

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Why Clients Choose Lumenasa

We believe liability protection should reflect the full picture, not just the minimum required limits. Our team takes the time to understand your existing coverage, explain where umbrella insurance fits in, and help you evaluate whether you have enough protection in place for the life you live and the assets you want to protect.

What Is Covered?

  • Excess Liability Coverage: Helps provide additional liability protection when a covered claim exceeds the limits of your underlying home, auto, or other qualifying policies.
  • Bodily Injury Liability: Helps protect you if you are found responsible for injuries to another person that result in damages beyond the limits of your primary policy.
  • Property Damage Liability: Helps protect you if you are found responsible for damage to someone else’s property that exceeds the liability limits of an underlying policy.
  • Legal Defense Costs: Helps cover legal expenses associated with covered liability claims, depending on how the policy is structured.
  • Personal Liability Protection: Helps extend coverage for certain personal liability exposures that may arise from everyday life, ownership, or activities covered by underlying policies.
  • Landlord Liability Protection: Helps provide added liability protection for qualifying rental property exposures when supported by the proper underlying coverage.
  • Worldwide Coverage: Helps extend liability protection for covered incidents that may occur away from home, depending on the policy terms.
  • Broader Peace of Mind: Helps provide added confidence knowing you have another layer of protection in place for higher-severity claims.

Request A Personal Risk Review

See what a review of your current insurance coverage uncovers. You may find that you’re adequately protected. You may find otherwise. Either way, you deserve to know for your peace of mind.

Let’s take a look at your situation at no obligation or cost.

Request A Personal Risk Review
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