Umbrella Insurance

A personal umbrella insurance policy can provide an extra layer of protection if you reach the liability limits on your auto, homeowners or other personal insurance policies. It's typically an affordable option for additional liability coverage on your policy.

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Umbrella Insurance — What It Is and What It Isn't

What Umbrella Insurance Covers

  • Others’ injuries

  • Others’ property damages
  • Liability claims such as libel, slander and false imprisonment
  • Your legal defense

What Umbrella Insurance Does Not Cover

  • Damage to your personal property
  • Your own injuries
  • Intentional or criminal acts
  • Liability you assume under a contract


You’re found to be at fault in a car accident. Between car repairs, hospital bills and lost wages, the owner of the other car is awarded $600,000 in damages. Your auto liability policy maxes out at $300,000, which means you have to come up with the other $300,000. An umbrella policy would help cover that.

Insurance Options for Your Personal Needs

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NCMIC Insurance Services is a licensed insurance agency. Insurance coverage is underwritten through many of the nation's leading insurance carriers. CA license #0B84564. In NY: NCMIC Insurance Agency. In MI: NCMIC Insurance Services Agency, Inc.

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