PR Insurance

Umbrella Insurance

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Umbrella Insurance Information

What is SOMBRILLA (Umbrella) civil liability insurance? Commercial or Personal

Basically, this type of insurance is additional coverage above the basic limits of your normal insurance, whether it is a work, home or/or car policy… This type of insurance protects you against expenses related to a lawyer or judicial process. There are people who do not need it, but this type of coverage has the ability to take away major financial worries.

How does it work?

The “Umbrella” insurance policy becomes effective once you have reached the limits established in your other policies (work, house, apartment, or car). This policy may also cover the costs of what is excluded in your other insurance such as protection against lawsuits for damages, defamation, slander or dishonor and rental property liability. You always have to name the basic cover of the other policies in the umbrella in order to obtain the umbrella cover.

What does the «Umbrella» policy cover?

Your insurance policy includes a wide range of interesting benefits and advantages for you and your home:

  1. Bodily injury coverage covers physical damage to anyone except the people who live in your home. This includes the claims and medical bills of the person who suffered the injuries
  2. Property damage coverage covers loss or damage to another person’s property. This can help you if you run out of funds from your car insurance during the process of fixing the vehicle of the person you collided with. Also, it can offer you coverage in case your child or pet destroys or causes damage to property when they are at a friend’s house or at school.
  3. Your “umbrella” policy can also cover you if you own and rent property. If someone is injured on your property and the person files a lawsuit against you, your policy will protect you from that cost. You always have to name the regular coverage of another policy on the umbrella to get the umbrella cover.
  4. The costs of a judicial process will be covered by your “umbrella” insurance. When your lawyer defends you in court after someone files a lawsuit against you, you may have to pay a portion of the costs out of pocket. Lawsuits take a long time and are also very expensive. It’s very easy to quickly reach the limits of your regular coverage. An umbrella insurance policy can protect you from having to pay the rest of the costs. You always have to name the regular coverage of another policy on the umbrella to get the umbrella cover.

Example:

If your auto policy limits for property damage are $50,000 and you crash into someone’s home and you are at fault, your normal basic liability coverage will cover it. However, if the damage is $100,000 and you do not have an “umbrella” insurance policy, you will pay the remaining $50,000 out of pocket. On the other hand, with the civil liability «umbrella» insurance, the rest of the claim will be covered.

 

Do I need an “umbrella” insurance policy?

Think about whether someone is likely to sue you and you have the money to cover these extra expenses. If this probability is high, for example, if you own several houses and rent them, if you have several aggressive dogs or if you have adolescent children and already drive or have your own business, you may need to buy an «umbrella» insurance policy (Umbrella).

Now that you know more about civil liability «umbrella» insurance, call us or fill out the application and we will make you a totally free quote.

 

At  Seguros Puerto Rico , we can offer you a wide variety of insurance according to your needs with the different insurance companies.

We care about offering maximum protection for your home or business against unexpected situations, etc. That is why we offer you a series of insurances that can improve your quality of life and make you feel more secure in any eventuality.

Quote now your commercial and personal insurance! 

Please fill out the application or call our offices. Thank you.

Seguros Puerto Rico always with you, to serve you.

– It is important that when you purchase your insurance (policy) you are aware of what the claim process will be like and thus be sure that you have the indicated coverage.

– At Seguros Puerto Rico we advise you so that you have peace of mind and know that you are protected, always holding your hand.

– Contact us with any questions about your business and personal insurance.