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Umbrella Coverage


Umbrella Coverage Information

Accidents happen—and it’s not uncommon for jury awards and out-of-court settlements to run into the millions of dollars. If you are found to be legally responsible for injuring someone or damaging their property, without a personal umbrella liability insurance policy, anything beyond the limits of your standard liability insurance coverage will come out of your own pocket.  

Don’t take a chance on inadequate coverage. Contact the team at Allwood Forlenza Agency Inc. today to discuss your umbrella insurance needs.  

What Is Personal Umbrella Insurance? 

A personal umbrella policy can protect you from large liability claims or judgments. When your liability limits are reached, your umbrella policy will kick in. Although personal umbrella insurance isn’t legally required, you should consider acquiring a policy if you participate in high-risk activities that increase your risk of being sued. Standard insurance policies might protect you from significant accident-related expenses up to a specific limit, but you’ll be liable to cover the costs beyond your coverage limits. 

Who Needs Personal Umbrella Insurance? 

Contrary to popular belief, umbrella insurance isn’t just for affluent individuals and families. Anyone can be sued. Additionally, 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 entertaining frequently), you may want to supplement your insurance with a personal umbrella liability policy. 

Need Personal Umbrella Insurance? 

If you want to know more about personal umbrella insurance, we’re here to help. Call the team at Allwood Forlenza Agency to get started today. 
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110 Little Falls Rd. | Fairfield, NJ 07004
P: 973-256-5500 | F: 973-882-5601 | info@afcainsurance.com
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