Umbrella Insurance

At Laguna Pacific Insurance, it is better to be safe than sorry. It is always a great idea to have comprehensive insurance coverage. However, insurance plans only cover up to a certain amount. Legal and medical fees can be expensive. So, what do you do when your insurance plan does not cover the total amount you owe? For example, what if your insurance plan covers $200,000 in medical fees, but you owe $350,000 in medical fees? This is where Umbrella Insurance comes in. It is known as a “gap cover” that will settle the outstanding $150,000 you owe. Umbrella Insurance is the best safety precaution you can take to ensure that you are fully covered in an emergency. That is why we have designed one of the best Umbrella Insurance packages in the state! Our team of experts has your best interest at heart and wants to put your mind at ease regarding comprehensive coverage.

Exclusions

• Business Losses
• Personal Criminal Activities
• Contractual Agreements
• Intentional injuries
• Damages caused by war or terrorism
• Communicable disease lawsuits

What Does Umbrella Insurance Cover?

Umbrella Insurance is a gap cover for a wide range of insurance claims. This includes legal and medical fees for bodily injury or property damage inflicted upon others. It also covers you in defamation lawsuits, libel, and lawsuits based on invasion of privacy. It’s important to note that Umbrella Insurance cover doesn’t cover the total amount of these legal and medical fees. Instead, the policy simply covers the amount that exceeds the limit that your current insurance policy pays so that you do not have to take any extra money out of your pocket.