Sometimes, your liability coverage on your home, auto, watercraft or other items is not enough when there is a judgement against you in a lawsuit. Luckily, an umbrella policy can give you the protection you need. It’s extra protection for the unexpected.
Personal Umbrella
Bodily Injury & Property Damage
When you are involved in a lawsuit, our personal umbrella policy may handle the remaining costs once your standard policy has been exhausted. Plus, we will pay up to $250 a day ($5,000 maximum) if you lose earnings complying with our requests during defense proceedings.
Examples:
- Your teenage daughter runs a stop sign, causing serious injuries
- A neighbor’s child drowns in your swimming pool while you are on vacation
- Your watercraft hits another boat, causing property damage and injuries to the occupants
All of these are examples of claims that may have damages beyond your primary policy’s liability limits.
This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions. All coverages are subject to deductibles and policy limits. The Rice Agency can explain the policy and benefits and answer any questions you may have before you buy.
Farm Umbrella
Property Damage & Liability
A farm umbrella policy may save you from a financial burden if you face a lawsuit due to injury or property damage caused to a third party. Farm umbrella insurance provides extra protection for you and all your farming operations.
Examples:
- A family friend is injured by livestock while visiting your farm
- A vehicle runs into farm equipment on the road, causing injury to the occupants
- Your child loses control of their vehicle and runs into a neighbor’s barn, causing extensive damage
- A visitor slips on the floor of your kitchen, causing long-term physical limitations
All of these are examples of claims that may have damages beyond your primary policy’s liability limits.
This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions. All coverages are subject to deductibles and policy limits. The Rice Agency can explain the policy and benefits and answer any questions you may have before you buy.
Commercial Umbrella
Bodily Injury & Property Damage
Attorney fees and court costs can get quite expensive if you get sued. A commercial umbrella policy provides additional liability coverage beyond your commercial insurance policy when you require higher liability limits for protecting your business. Protect your dreams with a commercial umbrella policy.
Examples:
- A customer sues because of their injury after falling in your store
- A customer gets food poisoning after eating at your restaurant
- A shelf falls on a customer, causing injuries
All of these are examples of claims that may have damages beyond your primary policy’s liability limits.
This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions. All coverages are subject to deductibles and policy limits. The Rice Agency can explain the policy and benefits and answer any questions you may have before you buy.
