We live in a society where people are successfully suing for large amounts everyday. Umbrella Insurance is additional liability insurance designed to help protect you from major claims and lawsuits.

What is it?

Umbrella Insurance is excess liability coverage over and above your standard auto, property or recreational vehicles. It offers protection against large and potentially devastating liability claims or judgments. If you accidentally injure someone or damage their property, you could be the one being sued. It is not uncommon today for juries to award damages that exceed $1,000,000 – $2,000,000.

How does it work?

Cooke Insurance Umbrella Policies can provide you with up to an additional $5,000,000 liability on your property, auto, watercraft or recreational vehicles. In short, a personal umbrella policy kicks in right where the liability on your primary policy leaves off.

Interested in one of our policies?

Contact a broker and get started today!

Case Example

If you were involved in an auto accident, found to be at fault, and permanently disabled 4 people in their mid 40’s, you would be responsible (liable) for the loss of potential earnings of these people for the rest of their working lives. That easily escalates to at least $1,000,000 per person. With the $1-2 million liability on your policy, you would personally be liable for at least another 2 million dollars. Umbrella policies let you sleep easy knowing that additional liability is looked after.

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