PERSONAL UMBRELLA INSURANCE IN COLORADO
Protect what you have built with an extra layer of liability coverage that may extend beyond your qualifying home, auto, rental property, and recreational vehicle policies.
Independent Agency
Multiple Insurance Companies
Personal Local Service
Insurance Experience Since 2011
Protection Beyond Standard Limits
An Extra Layer of Liability Protection
A serious accident or lawsuit can exceed the liability limits provided by a standard home or auto policy.
Personal umbrella insurance may provide additional protection after the limits of an eligible underlying policy have been reached.
WHAT PERSONAL UMBRELLA INSURANCE MAY HELP COVER
Coverage varies by carrier and policy, but personal umbrella insurance may help with eligible liability claims such as these.
BODILY INJURY CLAIMS
May help cover injuries to other people when you or a covered household member is legally responsible.
PROPERTY DAMAGE CLAIMS
May help pay for damage you cause to another person’s home, vehicle, or other property.
PERSONAL INJURY CLAIMS
Certain policies may provide coverage for claims involving libel, slander, defamation, or invasion of privacy.
LANDLORD LIABILITY
May provide additional liability protection for eligible rental properties listed on the policy.
INCIDENTS AWAY FROM HOME
Depending on the policy, coverage may extend to certain covered incidents occurring away from your residence.
LEGAL DEFENSE COSTS
May help pay eligible legal defense expenses associated with a covered liability claim, subject to the terms of the policy.
How It Works
Protection That Sits Above Your Other Policies
A Liability Claim Occurs
You or a covered household member is responsible for an eligible injury or property-damage claim.
Your Primary Policy Responds
Your qualifying home, auto, landlord, boat, or recreational policy pays up to its limit.
Your Umbrella May Respond
The umbrella policy may help cover eligible remaining costs up to the selected limit.
Who Should Consider It?
Coverage Designed Around What You Have to Protect
- Own a home or rental property
- Have savings or future income
- Have a teenage driver
- Own multiple vehicles or recreational vehicles
- Have a pool, trampoline, or dog
- Want higher personal liability limits
Why McCloskey Advisor Group?
Independent Advice. Personalized Protection.
Local Guidance
Work with an experienced Colorado insurance agent.
Multiple Carriers
Compare options from several insurance companies.
Clear Explanations
Understand limits, requirements, and exclusions.
Personalized Coverage
Choose protection based on your household and assets.
UMBRELLA INSURANCE FAQs
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Personal umbrella insurance provides additional liability coverage beyond the limits of qualifying underlying policies, such as home or auto insurance.
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No. An umbrella policy generally works with your underlying insurance policies. Insurance companies normally require specific liability limits on those policies.
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Personal umbrella policies generally exclude business and professional liability exposures. A commercial umbrella or other business policy may be needed.
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Some policies may extend coverage to eligible rental properties when they are properly disclosed and listed. Requirements vary by insurance company.
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Add another layer of liability protection for your household, assets, and financial future.
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Pricing depends on your industry, revenue, payroll, number of vehicles, underlying policy limits, selected umbrella limit, claims history, and other business risk factors.
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Coverage limits may usually be adjusted with approval from the insurance company.