The Ins and Outs of Umbrella Insurance

Life is unextecting at times. It only takes one serious mishap – and the lawsuit that follows – to put you and your family at risk. However, an umbrella insurance policy helps you protect the things that matter most. At ALLConnecticut Insurance Brokers, our insurance professionals can help enhance your protection using a simple but effective umbrella insurance policy.

What is an Umbrella Insurance Policy?

Umbrella insurance is a specific type of add-on policy. It is designed to offer additional liability coverage that exceeds the limits of your existing insurance policy coverage or is not covered by the current policy. For example, it may cover a boat rental, etc.

The Ins and Outs of Umbrella Insurance?

The amount covered by the umbrella policy will vary – typically ranging from $1 to $5 million. The amount of coverage should depend on the value of your assets.

  • Your car or homeowners insurance policy will always be your first line of defense.

For example, you are liable for a car accident in the amount of $2 million. While your auto insurance policy covers the first $500,000, the umbrella policy kicks in to cover the remaining $1.5 million. The incident in question must be covered under the purchased insurance coverage.

  • Umbrella insurance covers various liabilities –
    • Property Damage
    • Bodily Injury
    • Personal Injury, etc.
  • One umbrella policy will usually offer coverage for each family member who resides in your household.  

The Bottom Line

Essentially, an umbrella insurance policy provides excess liability coverage for current policies. You’ll need coverage if you’re at fault for a serious event/incident.

For additional information about a West Hartford, CT umbrella insurance policy, contact the insurance professionals at ALLConnecticut Insurance Brokers at 860-232-7076.

Connecticut ATV Recreational Laws

ATVs are popular recreational vehicles enjoyed in summer across rugged terrain and are popular as snowmobiles. Designed for recreation, the laws surrounding ATVs are tailored for private and public land use. Having an ATV on your own property will only subject you to simple legal rules and liability insurance. If you plan to enjoy your ATV offroad, on snow trails, or on public lands, you’ll need to follow these guidelines.

ATVs must be Registered in Connecticut.

State law in Connecticut requires that ATVs be registered for use on state roads and land. To be clear, this registration does not necessarily mean your ATV will be "street legal," as ATVs are not typically always to comply with minimum speeds for interstates and busy highways, in addition to other safety concerns. Instead, owners will need to legally register their vehicles and ensure they follow the additional environmental laws associated with the state. Recreational vehicles are subject to minimum insurance requirements similar to any other vehicle, but many owners also favor added policies to protect against theft or damage.

ATVs and Age

ATVs are legally allowed to be driven by minors under 18, as young as 12, in the state of Connecticut. If minors use your ATV, there are additional restrictions. Operators under the age of 18 are required to take a safety course and obtain a certificate of operation. Operators between 12 and 16 must also have the supervision of an adult over 18 while driving.

While ATVs can be an amazing form of recreation, the regulations can be complicated. Contact ALLConnecticut Insurance to find out more about ATV insurance laws and liability. Request a quote today!