Don’t Get Caught In a “Storm” Without an Umbrella

The unexpected can happen at any time. Don’t get caught with not enough coverage if something big (or small) happens to you or your place of business. Farmers® offers Umbrella Coverage policies that are flexible and policies that can be “made-to-order” for you and/or your business.

Farmers® Personal Umbrella

We would all love to think, “It won’t happen to me because I am always very careful”. While I don’t doubt that, unfortunately accidents do happen even to those who are careful. Hopefully you won’t ever have to worry about being sued for more than what your current homeowners, automobile, etc., policies cover. But, do you want to really wager all you’ve worked so hard on, for you and your family, on a “hopefully”? A Farmers® Personal Umbrella policy gives added protection beyond what your current policy covers, sort of like filling in the gaps.*

A few more advantages to having an Umbrella are:

     1.      Worldwide coverage.

     2.      Coverage that may not covered claims under your current policies, such as slander, libel or defamation of character.

     3.      Defense costs and attorney fees are not covered under primary policies. These claims will be with a Personal Umbrella policy.

Farmers® Commercial Umbrella

Fortune 500 or Mom and Pop, all businesses are vulnerable. Accidents can happen and when they do, you want to be prepared. For instance, are there stairs at your place of business?  What if a client fell down them and suffered life altering injuries?  An incident such as this could make the company liable for medical bills that could add up to be millions.   Will your current business liability policy cover all expenses? If not, will the company be able to cover what wasn’t covered? It’s important to know that when faced with a multi-million dollar lawsuit, it may not just be your current assets that are at risk but potentially your future earnings as well.  Contact me so we sit and go over what a Farmers® Umbrella policy has to offer.

You’ve worked hard to build your company. Keep your current and future earnings yours and don’t leave yourself vulnerable. Farmers® Commercial Umbrella policy can give you peace of mind in knowing your assets will remain your assets.

Like an umbrella, Farmers® Umbrella polices work as a shield or a protector. Protect yourself, your family and/or your business.

Cost? Great news! These polices are surprisingly low. Give me a call today and we can go over your current policies and answer any questions. Let’s get you into a “made-to-order” Umbrella policy.

*Subject to policy limits and exclusions