Extra Protection for Life’s Big Risks.
Umbrella Insurance That Covers You Beyond Limits
When life throws the unexpected your way, you want to be ready. AMD Insurance Group offers umbrella insurance to extend your coverage beyond standard policy limits, giving you an extra layer of protection when you need it most.
Protect Yourself from Life’s Biggest Liabilities.
Sometimes, your standard insurance policies aren’t enough to cover major claims or lawsuits. That’s where umbrella insurance steps in. Our umbrella policies provide additional liability coverage that extends beyond your home, auto, or other insurance, ensuring you’re protected no matter what comes your way.
6 Types of UMBRELLA Insurance Coverage
Personal Liability
Provides extra liability coverage if you’re sued for damages that exceed your home or auto policy limits.
Property Damage
Covers damage to someone else’s property that exceeds the liability limits of your primary insurance.
Bodily Injury Liability
Covers medical costs, legal fees, and other expenses if you’re responsible for injuries that exceed your existing coverage.
Legal Defense Costs
Covers the cost of legal fees if you’re involved in a lawsuit, even if the suit is groundless.
Coverage for Additional Scenarios
Umbrella insurance covers incidents not typically included in standard policies, such as defamation, slander, or libel.
Worldwide Coverage
Your umbrella policy follows you, offering protection even when you’re traveling abroad.
FAQs for Umbrella Insurance
What is umbrella insurance, and what does it cover?
What does an umbrella insurance policy cover? It provides extra liability coverage beyond your standard home, auto, or business insurance. This protects you in high-cost situations like lawsuits or major accidents. For homeowners in Needham and small businesses alike, umbrella policies add a financial safety net that standard insurance often lacks.
How much does umbrella insurance cost?
Umbrella insurance cost varies depending on how much additional coverage you want and what you're covering. For instance, umbrella insurance for rental property or small business umbrella insurance can carry different umbrella liability insurance rates. At AMD, we provide straightforward umbrella insurance quotes tailored to your unique risks.
Do I need umbrella insurance if I already have good coverage?
Do I need umbrella insurance? If your assets or business are at risk of liability claims, the answer is likely yes. Many homeowners in Needham and business owners opt for this added coverage to protect their long-term finances. It’s an affordable layer of protection that kicks in when your base policy limits are maxed out.
How does umbrella insurance help business owners?
Business umbrella insurance—also known as commercial umbrella insurance—adds extra liability protection to your existing business policies. Whether you're insuring a storefront or looking for umbrella insurance for small business operations, it protects against large claims. We also help clients understand umbrella insurance for business needs, including progressive umbrella insurance coverage options.
Is umbrella insurance available for rental properties or landlords?
Yes, umbrella insurance for rental property is a smart move. It helps cover liabilities not handled by a landlord policy. Needham landlords rely on our guidance to ensure their personal assets are shielded from property-related lawsuits or tenant injury claims.
What’s the cost breakdown and coverage flexibility like?
How much is umbrella insurance? It’s often more affordable than expected. The cost of umbrella coverage starts as low as a few hundred dollars per year for millions in added protection. Whether you run a business or own multiple properties, our team at AMD will match you with the right business umbrella insurance policy.
Shield Yourself with Umbrella Insurance.
Don’t leave your financial future exposed. Get the extra protection you need with an umbrella policy from AMD Insurance Group. Contact us today for a personalized quote.