Umbrella
insurance
Extended liability protection for large claims.
Our Commitment to You
Life is full of the unexpected, and that’s why we’re here. With Omega Insurance Group, you’re partnering with a team of experienced professionals who prioritize your security, your assets, and your future.
Protect more.
Worry less.
At Omega Insurance Group, we believe in protecting what matters most—your assets, your future, and your peace of mind. Through our specialized umbrella insurance services, we provide an extra layer of security to ensure you’re prepared for the unexpected.
What Is a Personal Umbrella Policy?
A personal umbrella policy is a type of insurance that provides additional liability coverage beyond the limits of your primary policies like homeowners, auto, or boat insurance. If you’re faced with a situation where damages or legal fees exceed your standard policy limits, an umbrella policy steps in to cover the difference. It’s designed to go above and beyond, offering you an extra financial safeguard.
Who Should Consider a Personal Umbrella Policy?
Everyone faces risks in their daily lives, but some individuals may have greater exposure and benefit from the added protection of an umbrella policy, particularly if you:
- Own property or significant assets
- Have a teen driver in your household
- Frequently host gatherings or events at your home
- Engage in activities with potential liability risks (like dog ownership or water sports)
- Want peace of mind knowing you’re covered for unforeseen incidents
If you’re unsure whether a personal umbrella policy is right for you, our team at Omega Insurance Group is here to help guide your decision.
How Does a Personal Umbrella Policy Protect Me?
Life can be unpredictable, and liability claims or lawsuits can lead to financial burdens far beyond what standard insurance policies cover. A personal umbrella policy offers protection against claims like:
- Bodily injury resulting from accidents
- Property damage caused by you, your family, or even your pets
- Legal defense costs for covered claims
- Libel, slander, or defamation lawsuits
Here’s an example of how umbrella insurance can add extra protection:
| Total cost of car accident | $700,000 |
| Auto insurance: bodily injury limit | $500,000 |
| Umbrella Insurance | $200,000 |
With a personal umbrella policy, you gain not only added financial protection but also confidence and security—knowing you’re ready for life’s uncertainties.
Safeguard what’s
important to you
GET A FREE QUOTE
See how much you can save!