{"id":453,"date":"2019-02-11T09:00:00","date_gmt":"2019-02-11T09:00:00","guid":{"rendered":"https:\/\/www.allctinsurance.com\/blog\/?p=453"},"modified":"2019-01-23T19:17:41","modified_gmt":"2019-01-23T19:17:41","slug":"what-is-umbrella-insurance","status":"publish","type":"post","link":"https:\/\/www.allctinsurance.com\/blog\/what-is-umbrella-insurance\/","title":{"rendered":"What is Umbrella Insurance?"},"content":{"rendered":"<p>Sometimes one general insurance policy is just not enough. In the event that you get sued for an exorbitant amount of money, an umbrella insurance policy could save you from financial ruin. Also known as excess liability insurance, umbrella insurance goes into effect once you have reached your basic liability limit or if the claim is not covered by your personal policy. It will help make up the difference in what you owe, so that you avoid the loss of assets, destroying your business, repossession of home, or declaring bankruptcy. AllConnecticut Insurance in West Hartford, CT can help you figure out whether or not umbrella insurance is something you should be considering.<\/p>\n<h2>What Does Umbrella Insurance Cover?<\/h2>\n<p>While umbrella insurance is a great option for some who might need additional insurance, it is not a complete catch-all. It will not cover just anything. Here are some examples of what it covers:<\/p>\n<ul>\n<li>Lawyers&rsquo; fees<\/li>\n<li>Other party&rsquo;s property damage<\/li>\n<li>Other party&rsquo;s medical treatment<\/li>\n<li>Lawsuits involving defamation of character or slander<\/li>\n<\/ul>\n<p>Here are some examples of what umbrella insurance does not cover:<\/p>\n<ul>\n<li>Your injuries<\/li>\n<li>Criminal acts<\/li>\n<li>Damage to your assets<\/li>\n<li>Other party&rsquo;s injuries, for which your business is responsible<\/li>\n<\/ul>\n<h2>Who Needs Umbrella Insurance?<\/h2>\n<p>Even though excess liability insurance is not a requirement, there are certain types of people who invest in policy more often than others. Those who commonly purchase umbrella insurance relate to one or more of these factors:<\/p>\n<ul>\n<li>Property owners<\/li>\n<li>Have substantial savings<\/li>\n<li>Likely to be sued<\/li>\n<li>Have more assets than covered under the personal liability policy<\/li>\n<\/ul>\n<p>If it sounds like your circumstances call for excess liability insurance, be sure to reach out to AllConnecticut Insurance in West Hartford, CT. They will be able to assess your situation and give you professional advice on whether or not umbrella insurance is the right choice for you.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sometimes one general insurance policy is just not enough. In the event that you get sued for an exorbitant amount of money, an umbrella insurance policy could save you from financial ruin. Also known as excess liability insurance, umbrella insurance goes into effect once you have reached your basic liability limit or if the claim [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[358,360],"class_list":["post-453","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-allconnecticut-insurance","tag-west-hartford-ct"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Sometimes one general insurance policy is just not enough. In the event that you get sued for an exorbitant amount of money, an umbrella insurance policy could save you from financial ruin. 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