Umbrella cover for the claim that exceeds everything else

Anyone with assets or future income a judgment could reach. It is often assumed to be for the wealthy, but a claim exceeding an auto limit can follow ordinary earnings for years.

It is usually one of the lowest-cost policies relative to the protection it provides, because it only responds after the underlying policy is exhausted. We can quote it alongside your existing cover.

No. It sits above specified underlying policies and follows their terms, and carriers usually require minimum limits underneath. Deliberate acts and business activities are generally excluded.

Usually yes — carriers require the underlying policies to carry certain minimums before the umbrella will sit above them. We check that as part of the review.