Most insurance policies include liability coverage for a reason—everyone needs liability coverage. In fact, you can never have enough liability and the best way to stay covered is by purchasing umbrella insurance. At Christensen Insurance Group, we advise our clients to buy umbrella insurance to pay for expensive liability claims. The key to deciding whether you need umbrella insurance is understanding what it covers. In this article, we will list 4 people in Sandy, UT who are likely to be affected the most if they don’t have umbrella insurance.
Parents
If you are a parent to young or teenage children, you can easily find yourself in trouble when they damage other people’s property or injure other people. Depending on where the injury or damage occurred, your home or auto insurance might not be adequate to cover all the costs. Umbrella insurance can help pay the remaining expenses.
Dog owners
Dog bites are usually covered by your homeowners’ insurance. However, if the hospital bills exceed the liability limits in your home insurance, you might need umbrella insurance to pay the rest of the bills. Umbrella insurance also pays for legal fees if you’re sued for pain and suffering.
People who drive often
If you spend long hours driving, you’re at a higher risk of getting involved in a road accident. Your auto insurance liability coverage might not be enough to cover all the damages and medical expenses. Umbrella insurance can help pay for damages and injuries sustained by other motorists if you caused an accident.
Business people and asset owners
Being a business or commercial property owner means dealing with many people, including partners, other companies, and tenants or customers. That means you’re likely to get sued for various reasons in your business or property. Such lawsuits can be quite expensive if you’re not prepared with adequate umbrella insurance.
Looking to buy umbrella insurance in Sandy, UT? Christensen Insurance Group can help you get a policy that matches your insurance needs, style, and budget. Contact us for professional advice and unmatched services.
