Umbrella Insurance Coverage

At Robert Taylor Companies, we understand that life can be unpredictable. Standard insurance policies might not cover every scenario, which is where umbrella insurance comes into play. This crucial extra layer of liability protection enhances your home, auto, or business policies. When faced with major claims or lawsuits that exceed the limits of your primary coverage, umbrella insurance steps in, helping safeguard your assets from financial loss. It’s designed to offer peace of mind, ensuring you’re prepared for life’s bigger challenges. We have local offices in Lorain, Norwalk, and Parma, OH.

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What Is Umbrella Insurance?

Umbrella insurance is a type of liability coverage that goes beyond the limits of your standard insurance policies—whether it’s home, auto, or business insurance. It’s designed to safeguard your assets by providing an extra layer of protection for major claims and lawsuits that exceed the coverage limits of your primary policies. This ensures you're financially secure even in worst-case scenarios.

How Umbrella Insurance Works

If the costs of an incident exceed the limits of your existing policies, umbrella insurance steps in to cover the difference. For example, if you’re involved in a car accident and your auto insurance’s liability limits are maxed out, umbrella insurance would cover the remaining medical or legal expenses, up to its own limit.

Why You Need Umbrella Insurance

Unexpected events can lead to costly lawsuits and settlements. Umbrella insurance offers peace of mind, knowing you’re protected against life’s bigger risks. If you own significant assets, this policy ensures those assets remain protected in the event of large claims or lawsuits.