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Many Boise, ID, residents, and business owners can benefit from umbrella insurance. It significantly adds liability coverage to your existing home, condominium, renters, vehicle, and business policies. This gives you greater protection from some types of lawsuits, especially those involving accidental injuries. Not everyone needs this kind of insurance, but it’s often desirable for individuals and companies with substantial amounts of valuable assets.
Assets
If the value of your personal assets exceeds the liability limits on existing auto, home, or renters’ insurance, consider signing up for an umbrella policy. The same goes for businesses. Consider obtaining umbrella coverage if the total worth of your business assets surpasses your commercial liability insurance cap. An alternative is to add more liability coverage to an existing policy, but this isn’t always possible.
Risk Level
You may also want to consider your vulnerability to claims. Your company might need an umbrella policy when numerous people visit your place of business, or you perform services at customers’ homes. Likewise, it could prove necessary if you sell a product with the potential to cause significant damage or injuries. An individual who holds large parties at home or frequently travels long distances by car could also benefit from umbrella coverage.
If you decide an umbrella policy is right for you or your company, talk to the coverage experts at Fuhriman Insurance Agency. Our Boise, ID, agency has over six decades of experience and strives to serve customers promptly, efficiently, and reliably. We’ll independently help you compare options from a variety of dependable insurers. Please call 208-327-3400 or 877-342-7935 to reach the friendly staff at Fuhriman Insurance Agency.