"Are you protecting your assets?" An umbrella policy provides liability coverage over and above your existing automobile and homeowner's liability limits. Most umbrella policies provide broader coverage than is afforded under your automobile and homeowners policies.

The cost of a $1,000,000 umbrella is a few dollars per month for a two vehicle, one home family. Higher limits are available for slightly higher monthly premiums.

Business umbrella insurance is insurance coverage that provides additional protection for your business in issues of liability. Umbrella insurance provides you with protection against lawsuits that could result in punitive damages, and often extend insurance to cover liability of employees and others who act on your behalf. Umbrella insurance is a good investment if your business has contact with the public in any way, through customers visiting your store, employed or contracted sales people visiting customers or clients, or products that you sell or manufacture being accessed by customers.

Umbrella insurance can protect you in many different ways. Once your business liability is exhausted, umbrella insurance can cover the costs and expenses you would be responsible for.