XINSURANCE TRU Umbrella solutions help provide added protection.
Umbrella Liability Insurance Solutions: Do You Need Additional Coverage?
Whether you have personal or business coverage solutions, your current policies may leave gaps that open you to liability. You may face claims that fall outside your policy or are exclusions. Sometimes, claims exceed the maximum coverage limit. Umbrella insurance is an excellent solution for those seeking additional peace of mind and financial protection.
XINSURANCE can work with you to identify and seek coverage solutions for professional, recreational, and home exposures that put you at risk due to the fine line of exclusions in most policies. TRU Umbrella solutions help provide insurance for the particular liability risks you face. At XINSURANCE, we can help you assemble plans that include animal liability, firearms and concealed carry, golf carts, outdoor recreation, homeowners, and many other types of coverage. These custom options may help protect you in the event of incidents, claims, and litigation! XINSURANCE is the smart solution.
Some claims don’t fall within a policy’s limitations, exceed the maximum policy limit, or are considered an exclusion. What happens then?
What Happens When a Claim Isn’t Covered by Your Policy?
When your insurance policy doesn’t cover a claim, it will deny your request for compensation. You will be responsible for paying the full cost of the loss. When liability claims exceed policy limits, this cost may be exceptionally high.
Our XINSURANCE team can help you identify any critical gaps & limits in your coverage.
The “TRU Umbrella” Difference
Standard Umbrella Policy
A Standard Umbrella policy is useful for extending coverage limits to address some extraneous circumstances. But even though Umbrella policies are a useful addition to standard policies, they can still fail to address key areas where you need coverage …
Get a QuoteWhy TRU Umbrella?
Enhanced
Enhancing Your Coverage
TRU Umbrella is designed to address weaknesses in your primary coverage. Custom-made to fit your unique needs, it can provide protection that other policies can’t or won’t cover.
Flexible
Flexible Coverage Built For You
Standard policies often won’t cover the unique areas that matter the most to you. A TRU Umbrella policy is custom-built to address your specific needs.
Consolidated
More Coverage In One Place…
XINSURANCE’s “all-in-one” approach allows you to cover more of your needs in one policy and manage more of your coverage in one place.
Why TRU Umbrella:
Eliminate gaps in your coverage with a policy that’s built to your needs
Adding additional coverage can go a long way
Are you aware of the gaps and exclusions in your policy?
It can be simple to assume your current policy covers what you need it to, but there may be gaps and limitations that you aren’t aware of.
These exceptions are often not apparent until *after* a policy fails to cover a claim.
Possible dangers of insufficient coverage:
- Having to cover a claim out of your own pocket
- Needing to liquidate assets to cover a claim
- Handling legal attacks or conflict mediation alone
- Loss of valuable assets without reimbursement or replacement
Potential benefits of enhanced coverage:
- Protection of unique and valuable assets
- Partnership and support when resolving conflict
- Legal support to challenging frivolous charges
- True peace of mind from knowing that you’re doing everything you can to safeguard your valuable assets
Are you as protected as you think you are?
Learn about the two crucial layers of protection you get with an umbrella policy that TRULY safeguard your personal and business assets even in today’s litigious society, and separate fact from fiction so you can uncover the MOST important fact of all — are you as protected as you THINK you are?
Don’t let yourself find out the hard way that you AREN’T!
Talk to one of our skilled underwriters and identify coverage gaps that may require unique coverage
TRU Umbrella Insurance Commercial
Traditional insurance policies suck, leaving you with potential holes and gaps. XINSURANCE offers TRU Umbrella and TRU Homeowners insurance solutions that cover the gaps and exclusions. We are a true partner for what could happen does happen.
FAQs About Umbrella Liability Insurance
What Does Umbrella Liability Insurance Cover?
Umbrella liability insurance helps cover the gaps or exclusions in your current policies and claims that exceed policy limits. This insurance option helps provide additional protection once you have hit the extent of your liability coverage. Umbrella coverage kicks in to help eliminate out-of-pocket costs when your insurance cannot cover all the expenses.
If an accident or injury occurs, you may be liable for your involvement, which is why most insurance companies offer liability insurance to help protect against claims against you or your business regarding bodily injury, property damage, or distress. If your current liability insurance lacks sufficient coverage, you can use umbrella insurance liability solutions to add the level of protection you need.
How Do I Know If I Have Complete Insurance Coverage?
You can check your current insurance policy, billing statements, or online account to learn more about your coverage types. In your policy, each type of coverage should have an agreement. If you look at your online account, you should find a coverage summary that includes all your active policies.
Once you know your current coverage, you can look for additional solutions to fill any gaps. Understanding different umbrella liability options is imperative when deciding on the best coverage for you, your business, and your family.
A standard umbrella policy is an option through many insurance companies as it extends your liability coverage to help with extraneous circumstances. However, this standard plan has insurance exclusions that can eliminate support for bodily injury and personal property damage. At XINSURANCE, we offer a TRU Umbrella insurance solution that helps mitigate those gray coverage areas.
With TRU Umbrella, you gain primary coverage solutions to address potential protection concerns. This option allows you to control your policy by implementing flexible coverage decisions to alleviate risks that other policies may not cover. Our professionals can review your current coverage and help you identify places where an umbrella policy could fill in the gaps.
Do You Provide Umbrella Insurance for Small Businesses?
Small businesses are often among those who need umbrella insurance. At XINSURANCE, we work with you to find liability insurance solutions for all types of companies to help you easily navigate risk. We can identify insurance solutions to help you cover financial needs within a specific threshold while responding to third-party claims.
As a small business owner, investing in umbrella insurance is vital to provide extra liability protection. Pairing liability coverage solutions with TRU Umbrella can help address claims while providing proper coverage solutions and support to reduce the chances that your business is severely impacted.
How Do I Contact XINSURANCE for My Umbrella Insurance Needs?
Help protect yourself, your business, and your family by requesting a quote online.
Investing in umbrella coverage is necessary to help protect your business’s and assets’ longevity while continuing to establish a legacy. With TRU Umbrella Insurance solutions through XINSURANCE, you can add protection against liability claims while limiting the impact on you or your business. At XINSURANCE, we understand that mistakes happen. That is why we pride ourselves on working with businesses, even high-risk ones, to find additional liability insurance solutions.
How Much Umbrella Insurance Should I Have?
If you’re trying to calculate how much umbrella insurance you need, the answer varies. The recommended coverage depends on your net worth, assets, potential future income, and the level of risk you may face. Financial advisors often recommend that your umbrella policy covers at least the total value of your assets. XINSURANCE can discuss your circumstances and help you determine the best umbrella insurance coverage solutions for your situation.
Can I Get TRU Umbrella If Another Insurance Company Has Denied Me or Cancelled My Insurance?
XINSURANCE can work with you to assemble a TRU Umbrella insurance solution, even if other insurance companies have denied or terminated your coverage. We even work with those with higher risk. If you have a claims history or are just starting your business, we can still help. We specialize in helping companies and individuals with specialty liability insurance needs.
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Your Trusted Team for Tackling the Unexpected
Fighting for You Is What We Do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements Are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all.” Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All in One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service