Umbrella Insurance in New York and New Jersey

Umbrella insurance is a type of personal liability insurance that can provide coverage beyond the limits of your other insurance policies. At WOOT Insurance Agency in Haverstraw, NY, we offer umbrella insurance policies designed to give you that extra layer of protection when you need it most.

Understanding the Uses of Umbrella Insurance in New York and New Jersey

Umbrella insurance can come into play in various situations, such as if you're held responsible for damages that exceed the limits of your auto or homeowners insurance. It can also provide coverage for claims that may not be covered by other insurance policies, such as libel, slander, or false imprisonment.

Umbrella Insurance: Not Just for the Wealthy

While it's a common misconception that umbrella insurance is only for the wealthy, the truth is that anyone can benefit from this coverage. If you own property, have significant savings, or engage in activities that could increase your risk of a lawsuit, an umbrella policy can provide valuable protection.

How Umbrella Insurance Can Benefit New York and New Jersey Businesses

For businesses, umbrella insurance can provide additional liability coverage beyond their general liability or other liability policy limits. It can protect your business from large liability claims or judgments that could impact your business operations.

What Umbrella Insurance Does Not Cover

While umbrella insurance provides broad coverage, it doesn't cover everything. For instance, it typically does not cover damages caused by your business, personal belongings, or intentional or criminal acts.

Extend Your Liability Coverage Today

Ready to extend your liability coverage? Contact WOOT Insurance Agency in Haverstraw, NY today. Our team is ready to assist you with all your umbrella insurance needs. Reach out to us today for a quote or any insurance-related questions.