Most insurance policies have limits to the amount of coverage that they provide and when those limits are reached, it typically falls to the policyholder to take responsibility for any overage. If you are seeking a way to minimize maxing out your insurance, it’s time to take a look at an umbrella policy. The team at Janis-Shunta Insurance is here to advise the greater Muskegon, MI community about their umbrella insurance options. 

Umbrella insurance is an effective tool to protect from personal liability

The liability limits of your primary insurance policy may not always be adequate to provide the protection that you need. In order to protect yourself from personal liability, you may want to consider an umbrella policy. There are many advantages to such a policy, with the increased policy limits being the main one. If your business is in a litigious industry, or your home and belongings require additional coverage for adequate protection, an umbrella policy can fulfill this need.

An umbrella policy provides coverage that is over your primary policy and serves as a stop-gap when your primary limits are met or exceeded. If you are concerned that your main policy is insufficient, now is a good time to discuss your umbrella policy options with your local insurance agent. Don’t wait until a catastrophic event occurs to find out that you are under-insured. With an appropriate umbrella policy, you can shield yourself and your family from personal responsibility in the event that your primary insurance policy limits are reached.

Are you in the greater Muskegon, MI area and want to find out if you can benefit from an umbrella policy? Contact the team at Janis-Shunta Insurance today and set up a consultation to find out more.