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Umbrella Insurance

Napoleon, Holgate, Wauseon, Leipsic, Defiance and Throughout Ohio - Since 1945

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Insurance policies have limits that help to control your premium costs. In addition, these limits help insurers ensure that they are able to fulfill their financial responsibility and meet the claims needs of their policyholders. But limits leave you with some exposure to financial loss, because any claims that exceed the amount of a policy’s limit must be either paid for out of your pocket or be unrecovered. An umbrella policy can fill the gap that exists between your limits and your potential claims.

Umbrella policies extend the coverage limits of many types of liability insurance policies such as home and auto.  It can provide $1 million or more in additional coverage to each of those policies you have. For example, when an auto insurance policy has a $250,000 limit and you injure another person in an accident, the medical expenses and lawsuit could cost much more than that. Having the added protection of an umbrella policy gives you another $1 million or more to put toward those costs. This keeps your savings intact while satisfying the financial obligations you have. Umbrella insurance can also provide protection for situations that would be excluded by other policies, such as when you are accused of slander or libel. Umbrella insurance isn’t just for personal coverage; it can also be purchased by a business in order to extend the reach of its various liability policies.

No matter how aggressive your liability insurance policy limits are, the inexpensive addition of umbrella insurance is a great, affordable way to extend your protection and meet whatever comes your way in the future. 

Check out these Blog Articles regarding Umbrella Insurance:
What is Umbrella Insurance and Who Can Benefit from it? 
The Importance of Underlying Limits and Umbrella Policies 
How much Umbrella Insurance is enough?

Frost Insurance Agency:
Providing insurance for the communities of Napoleon, Holgate, Wauseon, Leipsic, Defiance, and throughout the entire State of Ohio, since 1945.

Napoleon: 419.592.4476 • Holgate: 419.264.2051 •

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Napoleon Office
PO Box 350
Napoleon, OH 43545
Holgate Office
PO Box 367
Holgate OH, 43527

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Napoleon Office: 419.592.4476
Holgate Office: 419.264.2051
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