Personal Umbrella Insurance

If you're looking for protection above and beyond what your personal insurance covers, consider an umbrella policy. Umbrella insurance gives you additional personal liability coverage beyond what's included in your home and auto insurance.

An umbrella policy covers claims filed against you and your family after you’ve reached the limits of other personal insurance policies. At Vetinsure, the leading insurance company for vet practices, we offer personal umbrella insurance coverage specifically for veterinarians and their families.

Vetinsure makes it easy to obtain a personal umbrella policy! Through our partnership with Bolt Access, you have access to an online comparative quoting platform!

To apply online click here!


Who Should Get Umbrella Insurance?

As its name suggests, umbrella insurance offers broad liability protection to supplement existing coverage. In some cases, it provides coverage for circumstances not included in auto and homeowner policies, including libel, slander, and defamation of character. Umbrella insurance usually covers your family, even if they aren’t named on the policy.

If you have a net worth of more than $1 million, an umbrella policy is an excellent way to protect your assets in the event of a lawsuit. If you are responsible for a catastrophic accident, an umbrella policy can cover the injured person's medical or legal expenses. It’s one of the more affordable insurance policies at around $150 to $300 per year.

Most home and auto insurance liability limits top out at $500,000. Umbrella policies typically offer liability protection starting at $1 million. You can purchase umbrella coverage as an addition to home or auto insurance or as a standalone policy.

What Does Umbrella Insurance Cover?

Umbrella policies offer several types of coverage that fall into two main categories: liability insurance and defense costs. If someone holds you liable for injury or property damage, liability insurance helps cover medical bills and property repair costs. Umbrella insurance also helps cover lawyer and court fees and other legal defense costs.

Some examples of what standard umbrella insurance covers include:

  • Bodily injury: Medical or funeral expenses resulting from you, a family member, or a pet injuring someone.
  • Personal liability: Legal expenses related to claims like libel, slander, and other personal attacks.
  • Property damage: Repair or replacement costs if you’re responsible for damaging someone’s property.
  • Landlord liability: Medical and other expenses if a tenant gets injured or suffers property damage at your building.

Umbrella insurance often is confused with excess liability insurance. However, excess liability coverage doesn’t offer protection against personal liability claims like libel and defamation.

Umbrella policies typically don’t cover the following:

  • Your injuries or the injuries of a family member
  • Damage to your personal property
  • Criminal or intentional acts
  • Business losses
  • Violations of oral or written contracts

Interested in an Umbrella Insurance Policy? Trust Vetinsure

Veterinarians have trusted Vetinsure for personal and business insurance since 2015. Our commitment to outstanding customer service has made us the fastest growing insurance company for vet practices in the United States. For an umbrella policy quote, call us at 800-272-1249 or quote online.