Umbrella Insurance

Umbrella Insurance

Life is unpredictable, and sometimes the unexpected can have significant financial consequences. While your standard insurance policies provide essential protection, they may not be enough to cover large claims or lawsuits. That’s where umbrella insurance comes in. At O'Grady Insurance, we offer umbrella insurance policies that provide an extra layer of liability coverage, ensuring that you’re fully protected against life’s biggest risks. With umbrella insurance, you can extend your protection beyond the limits of your existing policies, safeguarding your assets and your future.

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What we offer

Additional Liability Coverage

Umbrella insurance provides additional liability coverage on top of your existing home, auto, and other primary insurance policies. This coverage kicks in when the limits of your underlying policies are exhausted, offering you extra protection against large claims and lawsuits. Whether you’re facing a major accident, a legal dispute, or a liability claim, umbrella insurance helps cover costs that could otherwise threaten your financial security.

Protection Against Various Risks

An umbrella insurance policy from O'Grady Insurance protects you against a wide range of risks, including bodily injury, property damage, and personal liability. This can include incidents such as serious auto accidents, injuries that occur on your property, or claims of defamation, libel, or slander. Umbrella insurance covers legal fees, court costs, and settlements, ensuring that you’re not left vulnerable to financial ruin.

What we offer

Worldwide Coverage

One of the unique benefits of umbrella insurance is that it often provides worldwide coverage. Whether you’re traveling abroad or dealing with a liability claim that arises outside of the United States, your umbrella policy can offer protection. This means that no matter where life takes you, you can have peace of mind knowing that you’re covered.

Affordable Peace of Mind

Despite the high level of protection it offers, umbrella insurance is surprisingly affordable. For a relatively low premium, you can add millions of dollars in liability coverage to your existing policies. This makes umbrella insurance one of the most cost-effective ways to protect your assets and secure your financial future.

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Frequently Asked Questions

  • What is umbrella insurance, and why do I need it?

    Umbrella insurance provides additional liability coverage that extends beyond the limits of your standard insurance policies. It’s designed to protect you from large claims and lawsuits that could threaten your financial security. If you have significant assets or are at risk for large liability claims, umbrella insurance is essential.

  • How much umbrella insurance coverage do I need?

    The amount of coverage you need depends on your assets, lifestyle, and exposure to risk. Our agents can help you assess your needs and recommend an appropriate coverage limit to ensure you’re fully protected.

  • Does umbrella insurance cover business-related liability?

    Umbrella insurance typically covers personal liability, but business-related liability may require a separate commercial umbrella policy. We offer both personal and commercial umbrella insurance to meet your specific needs.

  • Will umbrella insurance cover me if I’m sued for something not covered by my standard policies?

    Yes, umbrella insurance can provide coverage for certain claims that are not covered by your standard policies, such as libel, slander, or defamation. It’s designed to offer broader protection against a variety of risks.

  • Is umbrella insurance expensive?

    Umbrella insurance is generally very affordable, especially considering the high level of protection it provides. For a relatively low premium, you can add significant liability coverage to your existing policies, offering peace of mind at a cost-effective price.
Why Choose O'Grady Insurance for Your Umbrella Policy?

Comprehensive Protection

At O'Grady Insurance, we understand that standard liability coverage may not always be enough. Our umbrella insurance policies provide comprehensive protection that extends beyond your existing coverage limits, offering you greater security and peace of mind. Whether you’re protecting your home, your business, or your personal assets, we’ve got you covered.

Customized Solutions

Every individual and family has different needs, which is why we offer customized umbrella insurance policies. Our agents work with you to assess your risks and determine the right amount of coverage for your unique situation. We tailor our policies to fit your lifestyle and financial goals, ensuring that you get the protection you need.

Exceptional Service

With over 45 years of experience in the insurance industry, O'Grady Insurance is committed to providing exceptional customer service. Our knowledgeable agents are here to answer your questions, guide you through the process of selecting the right umbrella insurance policy, and ensure that you have all the information you need to make an informed decision.

Trusted Expertise

O'Grady Insurance has earned a reputation for reliability and trust within the community. Our long-standing relationships with our clients and our dedication to excellence mean that when you choose us, you’re choosing a partner who is committed to protecting your future.

We have insurance solutions for you

For auto owners

Customized Auto Insurance Policies

Looking for the perfect auto insurance coverage that fits your unique needs? O'Grady Insurance specializes in providing tailored auto insurance solutions, ensuring you get the best protection for your vehicle without any hassle.

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For homeowners

Comprehensive Homeowners' Insurance

Protecting your home and cherished memories is our priority. Our homeowners' insurance policies are designed to offer comprehensive coverage, giving you peace of mind knowing that your home is safeguarded against unexpected events.

Home Insurance
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