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Frost Insurance Agency, Inc. Blog: umbrella

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Farm & Ranch Coverage Farms and ranches differ from other business operations since, at least with small to medium operations, the owner both conducts his business and lives with his entire family on the same premises. Therefore, a farm or ranch has a combination of commercial and personal loss exposures that must be properly insured. READ MORE >>

Do I Need More Liability Coverage? You may want to give special consideration to an investment in umbrella insurance in the following circumstances: · You are at greater risk for liability if you own a pool or trampoline or ride a powerful motorcycle. READ MORE >>

How much Umbrella Insurance is enough? The right amount of liability insurance for any individual, family or business depends upon a number of factors. These include the risks you face and the assets you want to protect. For example, if you have a passion for speed boating, you have an increased risk over someone who only takes a dinghy out on the occasional fishing excursion. READ MORE >>

What is Umbrella Insurance and Who Can Benefit from it? Umbrella Insurance policies provide extra protection. A rain umbrella protects you from getting wet, but doesn’t stop the raindrops from falling. Umbrella liability insurance is similar in that it cannot prevent accidents or mishaps, but can make those things less devastating financially. READ MORE >>

Have you considered Umbrella Insurance? Let’s say you have a policy for your home and your family’s cars. You have just the right policy for the apartment you rent out to others as well as coverage for your boating excursions. Your homeowner’s policy even has a special, added protection for the business that your spouse runs out of your home. READ MORE >>

Umbrella insurance only works properly when the primary (underlying) coverages are maintained. In fact, the obligation to make sure proper support remains in place is part of the umbrella insurance contract. It is found in the policy’s “Maintenance of Underlying Coverage” provision. READ MORE >>

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