Umbrella insurance is an additional layer of liability coverage designed to protect you from unforeseen and potentially expensive incidents that exceed the limits of your existing insurance policies. In Massachusetts, where accidents and lawsuits can lead to substantial financial losses, having umbrella insurance provides an extra level of security and peace of mind.

Key Features:

1. Increased Liability Protection: While your primary insurance policies, such as auto or homeowners insurance, may have coverage limits, umbrella insurance steps in when those limits are exceeded. It provides additional liability protection, typically starting at $1 million, and can go up to several million dollars, depending on your specific needs.
2. Broad Coverage: Umbrella insurance extends beyond the coverage provided by your underlying policies. It offers protection against various liability risks, including bodily injury, property damage, personal injury (such as libel or slander), and legal defense costs. This comprehensive coverage ensures you are safeguarded against a wide range of potential claims.
3. Worldwide Protection: Whether you're at home in Massachusetts or traveling abroad, umbrella insurance offers coverage worldwide. This is particularly beneficial if you frequently travel for business or pleasure, as it protects you against liability claims arising from incidents that occur outside the United States.
4. Defense Costs: Umbrella insurance not only covers damages you may be legally obligated to pay but also helps cover the associated legal expenses. Legal defense costs, including attorney fees, court fees, and other related expenses, can quickly add up, but with umbrella insurance, you can have the financial support you need to navigate the legal process.
5. Peace of Mind: Umbrella insurance provides an additional layer of protection, ensuring that you are prepared for unexpected events and potential lawsuits. It offers peace of mind by mitigating the risk of financial devastation resulting from an accident, injury, or property damage that exceeds your existing coverage.