Personal Coverage

Umbrella Insurance

Accidents, disasters, and lawsuits can happen in life. Umbrella insurance provides peace of mind that you will be able to cover the costs, even if your existing liability coverage cannot.

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Protection for about $1 a day.

Personal Umbrella Insurance is supplemental insurance that would be a beneficial addition for most people because unfortunately, accidents happen, and sometimes they can result in high costs. It provides you with an added layer of financial protection, beyond what is provided by your existing liability insurance policies that cover your home, automobile, motorcycle, RV, and watercraft.

Don’t pay out of your pocket for someone’s medical or legal bills if you are found to be liable – a Personal Umbrella Insurance policy will help you cover those costs up to your policy’s pre-determined limit.

Personal Umbrella Insurance provides additional protection beyond your existing liability coverage for you, your family, and your future. Your Umbrella Insurance policy will also typically cover other members of your household, including your spouse, children, and any other relatives that live in your home that do not have their own automobile or property insurance in their name.

Extend Your Protection

Umbrella Insurance

Umbrella insurance provides an extra layer of security, safeguarding your assets beyond the limits of your existing policies. This coverage ensures you’re fully protected against significant financial risks.

Additional Liability: Extends coverage beyond home and auto insurance limits.
Asset Protection: Shields your savings and investments from large claims.
Comprehensive Security: Provides peace of mind with broad, all-encompassing coverage.

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What's Included, But Not Limited To

Umbrella Coverage

A car accident

You or someone in your household, such as your teenager, is driving and gets into an accident. The other party involved in the accident sues you and you are held liable for things like their medical fees or damages. The next step is for insurance to protect you but what if your liability coverage is insufficient for the fees and damages awarded? Without Umbrella Insurance, you will be responsible for paying the amount that exceeds your policy limits out-of-pocket. Umbrella Insurance is helpful because it can make up that difference and cover your debt so that you do not have to pay out-of-pocket.

A home accident

As a homeowner, you are liable if someone is injured on your property from something like a slip and fall. If this occurs and you are sued, the potential damages and medical fees may exceed your homeowners’ insurance policy limits, leaving you with a hefty bill. With Umbrella Insurance, it will pay the additional debt beyond your primary policy maximum so you are covered.

A dog incident

Responsible dog owners understand that if their dog bites someone, they may be held liable for medical fees and damages if the person that has been bit decides to sue. The legal fees may exceed what your homeowners’ insurance policy covers which is why every dog owner should have Umbrella Insurance to prevent them from having to pay out-of-pocket.

A misstep online

The modern digital world is rife with potential lawsuits. If you or someone in your family posts something online that results in a lawsuit and you are held liable, you may owe a large sum of money. A personal Umbrella Insurance policy gives you peace of mind that you are protected from paying out-of-pocket for related legal fees.

A boating mishap

Boat owners must protect themselves with proper insurance because accidents and mishaps happen. If someone is injured on your watercraft, you may be held liable for damages. If those damages exceed your Watercraft insurance policy maximum, Umbrella Insurance will cover the additional debt.

A renter’s lawsuit

As a rental property owner, you need to protect yourself from the risk that a tenant could be injured on your property and sue you. If this happens and you are held liable for things like medical fees and damages, it may exceed your general policy maximum. With Umbrella Insurance, that additional debt will be covered so you don’t have to pay out-of-pocket.

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Additional Perks

Benefits To Working With The RRM Team

With modern day solutions to everyday problems, we offer:

Proof Of Insurance

24/7 digital proofs of insurance through our online portal.

Risk Management Materials

We provide Posters, Brochures and Infographics for the workplace to create a culture of safety.

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Great Support

Unwavering employees, dedicated to helping you find a unique solution to your problem.

Our Beliefs

We believe modern digital solutions make workplaces efficient and fast-paced, while some projects still need human interaction that cannot be replaced by a digital portal. We pride ourselves on our dedicated staff who are always looking to help your business and create solutions that solve your needs, because we understand that your needs are unique. At RRM we believe you’re more than just another number in our book, you’re a business partner, one we know we can keep for life.

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