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Family Moments

Umbrella Insurance

Is your home or auto policy enough to cover any contingency? What if you were in a severe auto accident that injured other people or disaster struck on your property and other people were injured as a result? Many drivers and homeowners throughout New Jersey do not have an adequate amount of coverage to deal with the fallout of event such as these.


Gone are the day when the only people who needed umbrella insurance coverage were the super wealthy. Middle income families today are just as vulnerable and have plenty to lose over the course of one lawsuit, even a frivolous one.

We understand your insurance needs. With a 50 year history of serving the insurance needs of families and businesses throughout New Jersey, we can help you choose the right policy to meet your liability needs – one that’s designed just for you.

What Make Umbrella Coverage Different?

General liability insurance coverage only does so much to protect your financial assets from courtroom judgments. Umbrella policies pick up where other liability insurance policies leave off. It kicks in once they are exhausted to help you avoid catastrophic financial awards.

These are the key differences to keep in mind. Umbrella insurance:

  • Offers higher coverage amounts up to and beyond one million dollars.

  • Covers situations general liability specifically excludes such as false arrest, slander, libel, and liability coverage for rental properties you may own.

  • Provides coverage for defense costs, including attorney’s fees, in the event that a liability lawsuit is filed against you – even when the suit is frivolous.


In other words, umbrella coverage offers an expansion beyond what traditional liability insurance for homeowners and drivers cover.

Situations in Which Umbrella Claims are Made

While not everyone understands umbrella coverage, it’s easy to explain a few real world situations in which it becomes quite necessary – especially for middle income families.

This is one example of when an umbrella policy is needed. A neighborhood child comes into your yard while you’re not at home and becomes paralyzed after falling from your trampoline or swing set. The parents of the child sue and are awarded well over one million dollars to help cover lifelong medical costs the child will have.

Since no one exactly plans to have accidents, you can’t control who you injure when accidents occur. That’s what makes this scenario both realistic and frightening.


Why Trust Us to Handle Your New Jersey Umbrella Insurance Needs?

Umbrella policies can be confusing without the right team on your side. We’re an independent agency that doesn’t answer to an insurance company or its bottom line. This means we can aggressively negotiate on your behalf to find the best coverage at the right rates for your needs.

Don’t settle for cheap insurance company that promise ridiculously inexpensive rates after having you fill out a five minute form online. We believe our service is the best because it offers affordable policies that put you first.




Important Notice
Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverage(s). Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. 


Umbrella insurance policies provide an additional layer of liability coverage beyond other insurance policies, ensuring higher limits of liability against a variety of incidents. 

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