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Risk Factors That Could Make Umbrella Insurance Necessary

An umbrella insurance policy provides additional coverage that your standard policies don’t supply. Learn about some risk factors that could indicate that you should invest in an umbrella policy. One of our San Antonio, TX agents at Shavano Insurance Agency LLC can update your existing policy, to provide you with the additional coverage needed.

A Lot Of Assets

If you have a lot of assets at your disposal, a basic liability insurance policy won’t provide enough coverage. The liability limit that your policy outlines may be far less than the true value of what you own.

In a situation like this, having access to an umbrella insurance policy will be beneficial. The umbrella insurance policy will act as a second layer of protection. It will cover the assets that your original insurance policy didn’t cover.

Serious Vehicle Accident

A serious vehicle accident that causes damage to another party’s car or that causes bodily injury could result in a lawsuit. The cost of the repairs and medical bills could far exceed what your insurance policy will cover.

If you drive daily, it may be in your best interest to purchase an umbrella insurance policy. An umbrella insurance policy will provide extra protection for your personal vehicles and business vehicles.

Residential Property Injuries

If someone gets injured on your property, your current home insurance policy will only cover the costs you were initially quoted. Legal matters that require an attorney’s assistance can be expensive. An umbrella insurance policy will cover the costs that are incurred during the legal proceedings.

Consult With Us

Shavano Insurance Agency LLC in San Antonio, TX will discuss umbrella insurance policies with you and help you select the coverage you need.

Does Umbrella Insurance Cover My Business?

Umbrella insurance is a type of policy that provides extra coverage in the event that your regular insurance policies are not enough. This can be an excellent option for business owners who want to protect themselves from potential lawsuits.

The question is, does umbrella insurance cover your business? That is a question that many people ask. In this article, we’ll discuss whether umbrella insurance covers your business.

What Kind of Businesses Does Umbrella Insurance Cover?

Umbrella insurance can cover a variety of businesses. This includes sole proprietorships, partnerships, limited liability companies (LLCs), and corporations. If you have any of these business structures, then umbrella insurance can provide you with additional coverage.

What Does Umbrella Insurance Cover?

Umbrella insurance can cover a variety of things. This includes liability arising from accidents, injuries, property damage, and more. Umbrella insurance can also cover you if you are sued for defamation, invasion of privacy, or false arrest.

Does Umbrella Insurance Cover My Business?

The answer to this question depends on a few factors. These include the type of business you have, the coverage you have, and the policy limits. If you have any questions about whether your business is covered, you should speak to an insurance agent. Insurance agencies such as Shavano Insurance Agency LLC in San Antonio, TX can help determine if your business is covered.

A Guide to Umbrella Insurance for Business

Umbrella insurance can be a great option for business owners who want to protect themselves from potential lawsuits. If you have any questions about whether your business is covered, you should speak to an insurance agent.

At Shavano Insurance Agency LLC in San Antonio, TX, we can help you find the right insurance for your business. Contact us today to get started. We look forward to helping you protect your business.

How Does Umbrella Insurance Work?

Many insurance policies don’t come with much liability insurance. If that’s true for you, you may need an umbrella insurance policy to add to your coverage. To find out more about umbrella insurance, contact us at Shavano Insurance Agency LLC in San Antonio, TX.

Boosting Your Insurance Coverage

Umbrella insurance is used with two other types of insurance. If you have both auto and home insurance, you can get umbrella insurance to add to one of the types of coverage that these policies offer. Your auto and home policies have a small amount that is your liability coverage from those policies. However, as these amounts tend to be very low, umbrella insurance adds to the liability coverage that you have with both of these policies. This can help you to avoid a variety of financial problems with its boost of coverage. 

How It Works

First, there is an accident in your home or vehicle. Then, your home or auto insurance policy will assess the accident and figure out who is at fault. Next, the policy will pay for the accident until it reaches its payout limit. And because these limits tend to be low, anything left over to pay will come directly from your pocket. However, if you have umbrella insurance, the overage goes to your umbrella policy to be paid instead of your having to pay it. This can save you an enormous amount of money and even save you from serious financial harm. Umbrella policies have very high payout limits, so even a serious accident can be paid in full. 

Get Your Umbrella Policy

For more liability insurance, an umbrella policy can come in handy. If you’re interested in one of these policies, contact us at Shavano Insurance Agency LLC in San Antonio, TX to learn more about them. 

Things To Consider When Buying Umbrella Insurance

Umbrella insurance is the type of personal liability insurance, the purpose of which is to protect you and your assets from large claims or lawsuits if you have already exhausted the limits of your other policies. This type of insurance is not mandatory, but it is worth having. If you are thinking of getting umbrella insurance, but you do not know where to start, here is a list of things to consider: 

Your Current Coverage

If you do not know what exactly you have, it is hard to assess what you need. Evaluate your current policies and answer the questions: "Are their coverage limits enough?". For example, if the personal liability limit of your home insurance is $100,000, will it be enough to cover the medical treatment of someone who can slip, fall, and injure themselves on your property? 

Your Assets

Evaluate all the assets you have, including stock and retirement accounts. The more assets you have, the higher your risk is in the event of a lawsuit. Therefore, if you have many assets, the more umbrella insurance coverage that you may need. 

Risks You Face

We all face a certain amount of risks. The more risks you face, the higher chance of accidents, which elevates a liability suit. For example, homes with pools, trampolines, and aggressive dog breeds are considered at an elevated accident risk and, therefore, may need additional protection and coverage. 

Umbrella insurance is something that you may need to supplement your current liability insurance. It is an additional protection that provides you with financial security and peace of mind. If you are currently shopping for umbrella insurance but still have questions about this type of coverage, do not hesitate to call Shavano Insurance Agency, LLC, serving San Antonio, TX. Qualified and experienced insurance agents from Shavano Insurance Agency, LLC working with clients from San Antonio, TX, and other surrounding cities are always glad to assist you. 

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