Umbrella Insurance

Umbrella Insurance spans policies and provides an additional layer of protection in the form of extra liability insurance. Regular policies protect against specifics, but umbrella insurance protects against the worst of accidents or major lawsuits in these litigation-happy times. Minuteman’s Umbrella Insurance is perfect for high net worth individuals and families or those with busy lives with unusual risks, keeping your assets even more secure.

What is Umbrella Insurance?

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Sometimes in life, the worse does happen. While policies protect against this, for many successful people the upper limits of coverage are not enough. Umbrella Insurance can extend across policies such as home, auto, and boat insurance. When a claim exceeds the upper liability limits of the underlying policies, Umbrella Insurance kicks in.

Umbrella Insurance also provides coverage in the event of circumstances that slip through the cracks of other policies. This can include libel and slander claims, the consequences of false arrest, and coverage for rental units depending upon the carrier.

What kind of circumstances requires Umbrella Insurance?

If you are facing a lawsuit of any kind, such as for slander or libel, then Umbrella insurance can step up to the mark to cover legal and liability costs.

Umbrella insurance offers key benefits:

  • It extends additional liability limits when the underlying policies are depleted by the claims.
  • It can provide additional protection against claims that aren’t specifically covered in underlying policies.

Umbrella insurance can be written in two forms:

  • A follow form excess policy which provides a limit of insurance which is excess over your primary policies.  For example, a 1 million excess liability policy over your homeowners liability limit of 500,000 provides 1.5 million in coverage according to the conditions and exclusions of the underlying policy.
  • An umbrella form policy which can provide or restrict coverage for certain situations the primary policy does or does not cover.  For example, an umbrella policy may provide automobile liability coverage while driving in Mexico, where the automobile policy does not.

Why choose Minuteman for your Umbrella insurance needs?

You work with local trusted insurance advisors

Our brokers work with you to understand the limits of your current policy coverage and potential circumstances for risk. We will tailor a policy designed for you. 

You get cost-effective coverage

Our licensed Umbrella Insurance professionals take a broad view of the market to find the best deals so you get better insurance rates.

Our claims specialists will support you

When faced with filing an Umbrella Insurance claim, the pressure is already piled on. Our calm and knowledgeable claims handlers will help you obtain your benefits as soon as possible—If a claim is initially rejected, we will work hard to overturn a poor decision on your behalf and support you at every step.

Contact us for the extra protection for the worst of times, and get an Umbrella Insurance quote by talking with one of our fully trained, friendly, and knowledgeable agents today.


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