Life and business are full of surprises — and while some are pleasant, others can come with costly consequences. You may already have auto, home, or business liability insurance, but what happens if an accident or lawsuit exceeds those policy limits? That’s where Umbrella Insurance steps in, providing an extra layer of protection when you need it most.
At Skyscraper Insurance, we believe in proactive, forward-thinking risk management. Our umbrella coverage ensures that when your primary policies reach their payout limits, you’re not left exposed to financial risk.
What Is Umbrella Insurance?
Umbrella insurance is a supplemental liability policy designed to extend coverage beyond the limits of your existing policies. Whether it’s a severe car accident, a guest injury at your home, or a major liability claim against your business, umbrella coverage bridges the gap so you don’t have to pay out of pocket.
Why You Might Need It
Even the most well-prepared individuals and businesses can face unexpected claims. Without umbrella coverage, high-dollar settlements could put your personal assets, savings, and business future at risk.
Examples of situations where umbrella insurance can help:
- Auto accidents with damages beyond your auto policy limit.
- Slip-and-fall injuries at your property that result in costly lawsuits.
- Defamation claims from personal or business-related incidents.
- Accidents involving rental properties or vacation homes.
Key Benefits of Skyscraper Insurance Umbrella Coverage
✔ Extra liability protection beyond your primary policies.
✔ Affordable peace of mind with high coverage limits.
✔ Flexible policies for individuals, families, and businesses.
✔ Global coverage for certain claims occurring outside the U.S.
✔ Custom-tailored limits to match your risk exposure.
Who Should Consider Umbrella Insurance?
Umbrella coverage is ideal for:
- Homeowners and vehicle owners with significant assets.
- Business owners seeking added protection from lawsuits.
- Landlords with multiple rental properties.
- Professionals in public-facing roles.
Our Approach at Skyscraper Insurance
We take the time to evaluate your complete risk profile — from your personal life to your business operations — and design an umbrella policy that safeguards everything you’ve worked for. With #WeShareYourVisionForABetterTomorrow, we’re committed to helping you prepare today for whatever tomorrow brings.
Don’t wait until it’s too late. The unexpected can happen at any time — and when it does, you’ll want the right safety net in place.
📞 Contact Skyscraper Insurance today to review your current coverage and see how umbrella insurance can strengthen your protection.
