Category: Umbrella Insurance

Umbrella insurance is a kind of personal liability insurance. It can be indispensable if you ever find yourself facing a claim larger than your home or auto insurance will cover.

At Manteca Insurance & Financial Services, we aim to help everyone in the Central Valley, CA area who feels that umbrella insurance may be a good choice for them. There’s no reason to settle for policies that may not fully protect you. An umbrella insurance policy will help ensure that you have what you need to handle claims when they arise.

Umbrella Insurance: What You Need To Know

Umbrella insurance policies cover not just the policyholder themself, but also other members of the family or household.

It’s always important, however, to make sure that you understand how the policy defines the household, so you can be sure you have the coverage you need. The incident need not involve your property or vehicle for your insurance to kick in and cover it either.

With umbrella insurance, you’re covered worldwide, except for cars and homes you may own under the laws of other countries.

Give Us A Call

Contact us today at Manteca Insurance & Financial Services to talk about umbrella insurance and if it’s a good fit for you. We’re committed to helping everyone in the Central Valley, CA area get the most out of their insurance and protect themselves in case of a lawsuit.

You shouldn’t have to worry about whether your home or auto insurance will be enough to cover incidents you or your family may find themselves in. We’re here to help you navigate the world of insurance, and will do our best to make sure you have exactly the policies you need.

The team at Manteca Insurance & Financial Services is here to help all of our commercial clients in the greater Central Valley, CA area. If your company’s insurance needs haven’t been directly addressed in a while, it’s time to set up an appointment for a complete policy review. 

The many benefits of umbrella insurance for local companies

Protecting your business is a top priority. And, with an umbrella insurance policy, obtaining that goal is even easier. Primary commercial and property policies typically come with policy limits and maximum payout levels. This means that if your business files a number of claims or suffers a major catastrophic event, your primary policy can be wiped out.

That is when an umbrella insurance policy will come into play. If and when your primary policy is exhausted, you will be able to access your umbrella policy to file a claim. If your company has been growing steadily, your insurance needs have likely grown as well. Don’t fall behind with your coverage! An annual review is an effective way to ensure that the insurance that you have in place is adequate to your needs.

Having an umbrella insurance policy in place can help you continue your business even if you suffer a covered loss. Knowing that you have the protection in place before you need it, can help you focus on your core business. Find out more about umbrella insurance from your local agent today. You’ll be glad you did!

Learn more about umbrella insurance today

If you are a business owner in the greater Central Valley, CA area, you can rely on Manteca Insurance & Financial Services for all of your commercial insurance needs. Give us a call today to schedule a consultation. We look forward to working with you!

Liability insurance is something that protects you from legal actions against you. Suing is at epidemic proportions and the chances that you will be sued at least once in your lifetime are very good. Very good is the wrong way to express this since getting sued is anything but good. Manteca Insurance & Financial Services in Central Valley, CA is committed to providing personalized customer service and a lot of choices.

Umbrella insurance is excess liability coverage. It can be added to any policy that you already have with liability coverage. Many policies have liability coverage including auto, home, condo, renters, boat, RV, and motorcycle to name just a few.  You can’t just buy umbrella insurance unless you already have a policy with liability coverage. 

Many people think that you need to be wealthy to benefit from an umbrella policy. Nothing can be farther from the truth. No one is immune from having a civil suit filed against them. About 10% of homeowners are sued yearly, and you have about one in three chances of being sued in your lifetime. 

Civil suits can be very expensive to fight legally and the size of judgments has been growing. Depending on the amount of liability coverage you have on your primary policy, you could be sued for more than your maximum. That is where the umbrella comes into effect. After the initial amount is maxed out, the umbrella will continue to cover up to the limit of the umbrella. It protects your assets from being attached to pay for a suit against you. It could make all the difference when it comes to protecting what you have worked so hard to accumulate. 

Contact Manteca Insurance & Financial Services in Central Valley, CA when you are ready to discuss umbrella insurance and how you can benefit from it. 

You buy insurance policies to protect various aspects of your life, such as your home, businesses, and vehicles, but have you ever thought about a policy that focuses on you? Personal umbrella insurance is designed to protect you, your family, and your assets, especially in the event of a lawsuit. If you live in Central Valley, CA, you may want to consider purchasing umbrella insurance for the following reasons.

You Are Driver

Many things can happen when you are behind the wheel, and sometimes it doesn’t matter how skilled you are because you never know who you will meet on the roads. It could be a careless or uninsured driver. That’s why Manteca Insurance & Financial Services recommends buying both umbrella and auto insurance. If your auto insurance policy gets depleted, umbrella insurance can come in and settle the rest.

You Are a Parent To a Toddler, Teenager, or Pet Owner

If you have children in your home, you can easily find yourself facing harsh lawsuits for accidents such as car scratching, breaking a neighbor’s window, your dog biting your neighbor, or your child beating other children in school. For this reason, you want to make sure that your umbrella insurance can save you and your family.

You Interact With People

If you are a social person, the chances are that there will be conversations that won’t go well. Whether you are chatting on Facebook, Twitter, or face-to-face, insulting someone can land you into serious trouble for slander, libel, or defamation of character. You will need umbrella insurance to pay your defense fees and other legal fees.

You Own Businesses and Property

You are responsible for anything that happens at your business premises or property. Besides the typical slip and fall, more sinister accidents can happen, such as a person being killed, fire, or theft.

For more information about umbrella insurance, contact Manteca Insurance & Financial Services in Central Valley, CA today!